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New Auto Loans -  5.49%APR for 60 Months  |  Home Equity Loans - 5.50%APR and 15 Year Repayment Schedule  |   Great Share Certificate Rates
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Account Services
Loan Services
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

FEE CATEGORY    Effective 1/1/2008                              CURRENT FEES

PRIMARY SAVINGS ACCOUNTS

 

Monthly Minimum Balance Fee (1)

(The Fee is waived if you maintain an average balance of $250)

Excess Check Withdrawal Fee (First 2 are FREE)    

 

 

$2.50

 

$2.00

 

REGULAR CHECKING

Monthly Minimum Balance Fee (1)

(The Fee is waived if you maintain an average balance of $250)

Check Imaging.................................

 

PREMIER CHECKING  

(Direct Deposit Required)

No Monthly Minimum Balance Fee

(If Direct Deposit of entire paycheck is not maintained, then this checking account reverts to a Regular Checking and may be subject to Regular Checking fees)

Check Imaging.................................

 

VIP MONEY MARKET CHECKING

Monthly Minimum Balance Fee

Three (3) Checks may be written per month

   -Checks cleared in excess of three per month are

     assessed per check handling fee.

   -Checks must be written for at least $500.00,

     checks for less then this amount will be paid but

     charged a handling fee.

Check Imaging.......................................

.

CHECKING ACCOUNT FEES

Share or Loan Overdraft Protection Transfer (per overdraft)

Privilege Check/ACH Pay Fee

Non-Sufficient Funds (Check or ACH)

Stop Payment Request (Check or ACH)

Stop Payment Request (Range)

Check Copy Fee (Mailed)

Check Copy Fee (Faxed)

Temporary Checks (Qty=4)

 

 

$2.50

 

...FREE

 

 

 

None

 

 

...FREE

 

 

 

None

 

$15.00

 

$15.00

 

...FREE

  

 

$10.00

 $30.00

$30.00

$15.00

$30.00

$3.00

$4.00

$1.00

 

ATM CARD & VISA DEBIT CARD

Deposits

POS Transactions

ATM Withdrawals 

(6 Free monthly withdrawals with the Visa Check Card and Premier Checking)

ATM Transfer

ATM Inquiries

ATM Card / Pin Replacement Fee

Annual Fee (Waived for Members with Checking Account)

 

 

FREE

FREE

$1.00

 

$1.00

$1.00

$10.00

$15.00

 

ELECTRONIC SERVICES

Call-24 (Automated telephone account information)

 

Online Banking (Internet access to account information) 

 

Online Bill Payment System—Monthly Fee

(Fee waiver option: Maintain a monthly average balance in the checking account of $2,500 and the monthly fee of $4.50 is waived.)

 

 

FREE

 

FREE

 

$4.50

 

LOAN FEES

Initial Loan Application Fee

Loan Late Payment Fee

      (Fee charged when more than 10 days late)

Subordination Agreement Processing Fee

Home Equity Release Fee

Home Equity Agreement-to-Modify Fee

Vehicle Title Recording Fee

Property Report

Appraisal Fee

Flood Insurance Certification

Loan Draft Exception Processing (Per Draft)

 

 

$10.00

$30.00

 

$150.00

$75.00

$200.00

$65.00

$75.00

$300.00

$20.00

$25.00

 

VISA ACCOUNT

         (Visa Classic, Visa Gold and Visa Gold Plus)

Late Payment Fee

Over Credit Limit Fee

Returned Check Fee

Cash Advance Fee  

(Fee waived for advances on METRO Visa Accounts)

Visa Classic Annual Fee

Visa GOLD Annual Fee

       (With $5,000 in annual purchases, otherwise the fee is $25.00)

Visa GOLD Plus Annual Fee (First year free)

Replacement Visa Card

Replacement Pin Number

Credit Card Recovery Fee

Merchant Draft Copy Fee

Microfiche Statement Copy Fee

 

 

 

$30.00

$30.00

$25.00

$5.00

 .

None

None

 

$25.00

$10.00

$10.00

$65.00

$15.00

$5.00

 

MISCELLANEOUS  FEES

Account Closed with-in 90 days Processing Fee

Dormant Account Fee ( No Activity for 36 Months)

Account Reconcilement  or  Research Fee  (Per Hour)

Returned Check Fee

(A Deposited Item returned uncollected, Check or EFT)

Statement or Check Copy

Wire Transfer Fee (Outgoing)

Western Union Fee (Outgoing only)

Cashiers Check Fee

Travelers Checks (Per Order)

Gift Checks (Each)

Travelers Checks (Checks for Two)

Coin Counting Service Fee ($1.00 Min. per order)

Foreign Item-Check Collection Fee (per deposit)

 

 

$20.00

$5.00

$20.00

$25.00

 

$5.00

$20.00

$20.00

$3.00

1%

$2.50

1%

1%

$20.00

About METRO/ Membership/ Account Services/ Loan Services/ Resource Center/ Disclosures/ Identity Theft Info/ Business Services/ Auto Services

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Your savings federally insured to a least $100,000 and back by the full faith and credit of the United States Government National Credit Union Administration, A U.S. Government Agency

           

Send mail to sfragale@mcu.org with questions or comments about this web site.
Copyright © 2007 Metro Federal Credit Union  Last modified: 10/10/08

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