Members First Credit Union
Members First Credit Union

Forgot Password
Go to main content Menu
Fees

Fees

At Members First Credit Union, we feel that it is important to provide the highest quality of products and services without the extravagant cost. There are a few small fees that are in effect to protect the interest of the entire membership.

Rates and terms subject to change.  Accurate as of August 1, 2017.

GENERAL
$15.00 Returned Deposit
2% of amount Coin Counting, Free for Kids Club Member or for amounts less than $50.00
FREE Notary Public Service
$15.00 Signature Guarantee (Stock/Bond Transfer)
$50.00 Garnishment or Levy
$50.00 Escheat Fee
$5.00 Bad Address
$10.00 / month Non-Participation Fee: assessed on the first day of every month following a month where your average balance was below $100 and your relationship with the credit union consists of only a primary share. This fee wil not be charged for the first 12 months of full membership. Youth accounts are not full memberships.

 

CHECKING ACCOUNTS
$27.00 Stop Payment
$27.00 NSF Check Return Fee
FREE Copy of Draft via Online Banking
$27.00 / hour Account Research
$15.00 Credit Union Imposed Account Closure
FREE Overdraft Transfer from Savings
$3.00 / per occurance Statement Copies / Account History
FREE Line of Credit Advance, (daily interest will apply)
$27.00 Member Privilege Overdraft Protection, per item paid
$4.00 / page Starter Checks
$15.00 / month Premier Checking - Fee is waived if during the month the minimum balance of this checking is never below $2,500 or the aggregate balance of deposits and loans (based on the same member number) is $25,000 or more.
$7.50 / month eChecking - Fee is waived if during the month you maintain online banking or mobile banking, and you have a direct deposit to checking, or conduct at least 5 Debit Card POS transactions, or the minimum balance is never below $750.
$7.95 - $10.95 / month Fresh Start Checking - Fee is $7.95 / month if a direct deposit posts during the month; or $10.95 if there is no direct deposit. 
Checking Fees are charged at the end of each month.

 

DEBIT/ATM CARDS TRANSACTIONS
Simply Free Checking and Fresh Start Checking
$1.00 ATM Transaction or Inquiries at ATM machine outside the Co-op Network
All Accounts
FREE Any ATM Transaction or Inquiries at Members First Credit Union ATM or any Co-op Network ATM
$5.00 Card Replacement
FREE Overdraft Transfer from Savings or Checking
$27.00 Member Privilege Overdraft Protection, per item paid
$27.00 Empty Envelope ATM Deposit. Possible loss of services.

 

VISA CREDIT CARDS
$5.00 Card Replacement
$25.00 Late Payment Fee
$25.00 Returned Payment Fee
FREE Cash Advance with MFCU VISA
$10.00 Cash Advance with non-MFCU VISA

 

CONVENIENT CARDS & CHECKS
$3.00 Visa Gift Card
$7.00 Travel Visa Card
$2.00 Money Order
$2.00 Cashier's Check

 

ACH/EFT
$27.00 Overdraft Return Fee
FREE Overdraft Transfer from Savings or Checking
$27.00 Member Privilege Overdraft Protection, per item paid
$27.00 Stop Payment

 

WIRE TRANSFERS
$25.00 Domestic
$50.00 International

 

ONLINE SERVICES
FREE Online Banking
FREE Mobile Banking with Mobile Check Deposit
FREE Online Bill Pay
FREE eAlerts
FREE eStatements

 

DORMANT ACCOUNT FEE
$5.00 / month If an account has been inactive after a period of two years, the credit union will charge a monthly fee until such time as the account is reactivated by the member, the balance drops to zero, or the balance of the account is escheated to the State of Michigan.
$50.00 International

 

SAFE DEPOSIT BOX ANNUAL RENTAL AND FEES
$20.00 3 x 5 x 24 (available only at Dartmouth)
$30.00 5 x 5 x 24 (available only at Dartmouth)
$36.00 3 x 10 x 24
$48.00 5 x 10 x 24
$84.00 10 x 10 x 24
$20.00 Duplicate Key for Safe Deposit Box
Actual Cost Lost Keys (Safe deposit box re-drilling or re-keying)
Prorated Early Closing Fee

 

NON-MEMBER FEES
$10.00 / check Non-Member Cashier's Check Fee

 

Go to main navigation Go to main navigation
Find Your Happy

Members First Credit Union | P.O. Box 2165 | Midland, MI 48641
Phone 855-835-MFCU (6328) | mail@mfcu.net

Federally insured by NCUA.
We do business in accordance with the Fair Housing Law.