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Home 9 About MembersFirst 9 Fee Schedules

Fee Schedule

Deposit Accounts

​We review our fee schedule regularly and make it available to you to give you the opportunity to control your finances and minimize the fees you may incur. We work to remain fair and competitive (we dislike fees as much as you do) and charge only the fees which contribute to operating costs.

Savings Accounts

Christmas Club Early Withdrawal

$10.00

Closure Fee (within 90 days of opening)

$20.00

Excessive Withdrawal Fee (above 3 per quarter)

$4.00

Savasaurus Club (in excess of 1 per month)

$10.00

Money Market Accounts

Minimum Balance Fee (average below $1000)

$5.00

Excess Withdrawal Fee (each over 6 per month; only 3 by check)

$5.00

Checking (Share Draft) Accounts

Monthly Minimum Balance Fee For Checking Accounts
Basic Business or Personal Business Checking
(average balance below $1,000)

$10.00

Direct Deposit Checking
(earns interest on average balance of $1,000)

$0.00

Fresh Start Checking (average balance below $300)

$10.00

Interest Checking (average balance below $300)

$5.00

No-Fee Checking

$0.00

Collection (Overdraft)

$15.00

Check (Draft) Printing Charges

Depends on style

Overdraft Privilege (item paid on your behalf)

$33.00

Overdraft Protection Transfer
(from savings or other MFCU account)

$7.00

ATM Transaction Fees

Publix PRESTO! ATM Nationwide

Free

Non-MembersFirst ATM Transaction

$1.75

Loan Fees

Flood Certification

$25.00

GA Mortgage Loan Fee

$10.00

Skip A Payment Fee (Promotion)

$30.00

Legal Process Per Event

$50.00

Loan Advance Processing Fee
(Fast Cash and Holiday Loan Only)

$30.00

Title Fee (used vehicle loans)

$49.00

 UCC Form Filing

$10.00

Other Fees

Account Balancing / Research (per hour)

$20.00

Account Verification

$10.00

Bad Address (Monthly) (statements returned as undeliverable)

$5.00

Business Account Bill Pay (per month)

$5.95

Check Cashing (checks over $200)

$5.00

Inactivity Monthly Fee (no activity for 12 months)

$5.00

Merchant Cashier Check (from personal check)

$15.00

Money Orders (each)

$1.50

NSF (non-sufficient Funds – per item)

$33.00

Overnight / Expedited Delivery

Actual Cost

Paper Statement Fee

$3.00

Phone Pay (delinquent loan only)

$10.00

Photo Copy (first 3 pages free)

$2.00

Replace Damaged, Lost or Stolen Visa Debit or ATM Card

$10.00

Returned Deposit Item (from member payable to themselves)

$25.00

Returned Deposit Item (from others payable to member)

$15.00

Shared Branching Convenience (per transaction)

$1.50

Signature Guarantee (for members only)

$10.00

Statement Copy/Account History Printout

$5.00

Stop Payment

$33.00

Telephone Transfer (teller assisted)

$2.00

Teller/Official Check (payable to other)

$5.00

Gift Cards

Travel Money (Reloadable card) ($100-$5,000)

$5.00

Visa Gift Card ($10-$1,000)

$5.00

Wire Transfers

Wire Transfer (domestic)

$15.00

Wire Transfer (incoming)

$10.00

Wire Transfer (international)

varies ($60.00-$100.00)

Printable Copy of Fee Schedule

Print a PDF copy of the Fee Schedule

Fee Schedule Effective December 1, 2018