Savings Accounts
 
   
Basic Membership Savings Account  
Monthly charge for aggregate balances under $100 and no loan $3.00
Excess withdrawal fee (three per month free) each $3.00
Daily overdraft protection transfer fee (three per month free) $5.00

Life Insurance Savings Account
 
Monthly charge for aggregate balances under $100 and no loan $3.00
Excess withdrawal fee (three per month free) each $3.00
Daily overdraft protection transfer fee (three per month free) $5.00

Payroll Plus Savings Account  
Monthly charge for aggregate balances under $100 and no loan $3.00
Excess withdrawal fee (one per month free) each $3.00

Preferred Youth Savings Account
There are no monthly service charges.

Savings Bond/Vacation Fund Savings Accounts  
Monthly charge for aggregate balances under $100 and no loan $3.00
Excess withdrawal fee (three per month free) each $3.00
Daily overdraft protection transfer fee (three per month free) $5.00

Christmas Savings Account  
Monthly charge for aggregate balances under $100 and no loan $3.00
Charge for each withdrawal from Jan. 1 through Sep. 30 $5.00
Excess withdrawal fee Oct. 1 through Dec. 31 (three per month free) each $3.00

Money Market Account  
Monthly charge for balance under $1,000 $5.00
Excess withdrawal fee (three per month free) each $3.00
Daily overdraft protection transfer fee (three per month free) $5.00
Check copies (two per month free) each $3.00

Safe Deposit Boxes  
Annual prices with direct deposit checking account.  
3 x 10 $20.00
5 x 10 $30.00
10 x 10 $50.00
Key deposit $10.00
Lost key $10.00
Late charge (per month) $10.00
Drilling fee (varies) minimum $100.00

Checking Accounts  
   
Direct Deposit Checking Account  
No monthly service fee, no minimum balance  
No ATM withdrawal fees for transactions on our no-surcharge ATM network  
Check copies (two per month free) each $3.00
ATM Fees – see ATM fees  

e-Checking  
No monthly service fee, no minimum balance  
Check copies (two per month free) each $3.00
Less than 10 Visa Debit Card transactions per calendar month $5.00
Invalid e-mail address for E-Statements (conversion fee to Direct Deposit Checking) $10.00
Direct deposit discontinued (conversion fee to Charter Checking) $10.00
ATM Fees -- see ATM fees  

Charter Checking Account  
Monthly service charge $5.00
Check copies (two per month free) each $3.00
No monthly service charge when you maintain a combined deposit balance of $7,500.
ATM Fees – see ATM fees  

Checking Plus Account  
Dividends paid on balances of $500 and above.  
Check copies (two per month free) each $3.00
No monthly service charge when you maintain a combined deposit balance of $7,500.
ATM Fees – see ATM fees  

Preferred Youth Checking Account  
No monthly service fee, no minimum balance  
No ATM withdrawal fees for transactions on our no-surcharge ATM network  
Check copies (two per month free) each $3.00
ATM Fees – see ATM fees  

Business Checking  
Monthly service charge $10.00
Check copies (two per month free) each $3.00

ATM Fees  
   
Additional ATM charge per transaction if the ATM transaction is done outside our no-surcharge ATM network $1.00
   
Savings Accounts  
If account balance is $500 or above  
        Each balance inquiry $0.50
        Each rejected transaction $0.50
If account balance is below $500  
        Each withdrawal $1.00
        Each transfer $1.00
        Each balance inquiry $0.50
        Each rejected transaction $0.50
Insufficient funds for ATM transaction $25.00
Replacement card $5.00

Checking Accounts  
Applies to Charter Checking, Checking Plus  
Balance inquiries and rejected transactions each $0.50
Withdrawals (four per month free) each $0.75
Point of sale transaction no charge
Insufficient funds for ATM transaction $25.00
Replacement card $5.00

Direct Deposit Checking  
Balance inquiries and rejected transactions each $0.50
Point of sale transaction no charge
Insufficient funds for ATM transaction $25.00
Replacement card $5.00

Expandacheck Checking  
Balance inquiries and rejected transactions each $0.50
Withdrawals (four per month free) each $0.75
Point of sale transaction no charge
Insufficient funds for ATM transaction $25.00
Replacement card $5.00

Fees Common to All Accounts  
   
New member fee $10.00
Insufficient funds (check or electronic item) $25.00
Courtesy pay fee $25.00
Stop payment fee $10.00
Wire transfers (minimum $100)  
        Domestic $15.00
        International – foreign currency $20.00
        International – U.S. currency $35.00
        Incorrect IBAN # $25.00
Overnight weekday delivery $20.00
Overnight Saturday delivery $30.00
Returned deposit item $5.00
Interim or duplicate statement $5.00
Account research, one hour minimum per hour $15.00
Garnishment processing fee $25.00
Signature guarantee $10.00
Bill Payer Free
Duplicate Lien Release $20.00
Return mail, no forwarding address each $5.00
Dormant Fees (1 year no withdrawals or deposits)  
        With bad address per month $10.00
        Accounts with less than $200 on deposit per month $5.00
        Youth Accounts - less than $50 on deposit per month $5.00

Lending Services  
   
Late fee – the lesser of 5% of the past due amount or $25.00.  
Visa draft retrieval each $15.00
Insufficient funds returned payment charge $10.00
Visa over-the-limit fee per month $10.00
Visa replacement card $5.00
Payment by phone, check or credit card $5.00
Visa walk-thru card $15.00
Reject fee VISA/Mastercard telephone payment $10.00
Late fee - VISA non-secured per month $15.00
Force Place Insurance on Loans $50.00
VISA foreign currency courtesy fee 1%
 
VISA foreign transaction fee 0.8%
 

Teller Services  
   
Money orders each $2.00
Traveler’s checks 1% of sale
Corporate checks (first one free) each $3.00
Check cashing fee $5.00
Visa Gift Card each $4.00

Equal Housing Lender

Federally Insured by NCUA
Home Page
Mid American Credit Union - 8404 West Kellogg Drive, Wichita, Kansas 67209 - (316) 722-3921 * Fax (316) 722-0920 - macu@midamerican.coop

 

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