Schedule of Fees

The schedule of charges for all accounts sets forth certain fees and charges applicable to Regular and Share Draft Accounts effective April 2009.  This schedule is incorporated as part of your membership agreement with the Credit Union.  You will be notified of changes to these charges.

SHARE DRAFT CHECKING ACCOUNTS

Copy of Share Draft $2.00 per item
Overdraft Fee $22.00 per item
Returned ACH Item $22.00 per item
Stop Payment Fee $15.00 per item
Transfer from Shares to Cover Overdrafts $5.00 per item
Value Plan
*No fee with Direct Deposit or Payroll Deduction (8 free ATM transactions per month)		 $5.00 per month*
Value Plan Plus Checking below minimum balance fee
**applied each month your balance falls below $1,000 (12 free ATM transactions per month)		 $6.00**

Share Draft printing fees will vary with size and style of order.  You will not be notified of changes to Share Draft printing fees.

MONEY MARKET ACCOUNTS

Below Minimum Balance Fee $10.00 per month

ATM

Balance Inquiry $.75 each
Deposits No Charge
Withdrawals/Transfers $1.00 each

There is never a transaction fee for MAFCU members to use a MAFCU-owned and operated ATM.

OTHER FEES

Audio Response No Charge
Online Banking No Charge
Online Bill Payer Service
(no charge with monthly eStatements)		 No Charge
Abandoned Property Processing $30.00
Dormant Accounts
(no activity for 12 months)		 $2.00 per month
Money Orders $2.00 per check
Teller Checks $2.00 per check
Research Time $15.00 per hour
Copy of Statement $3.00 per copy
Traveler's Checks $1.00 per hundred dollars
Gift Cheques $1.50 per check
Gift Cards $3.50 per check
Wire Transfer--Domestic $15.00 per wire
Wire Transfer--International $30.00 per wire

CLUB ACCOUNTS

Early Club Account Withdrawal/Closeout
Club accounts may be re-opened during club term.		 $20.00