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Fees & Service Charges

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.

Vacation 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 $10.00
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

Tax-Favored Accounts
(Traditional & Roth IRA, SEP, CESA, HSA)

Safe Deposit Boxes  
Annual prices with direct deposit checking account.  
3 x 10 $30.00
5 x 10 $40.00
10 x 10 $60.00
Key deposit $10.00
Lost key $10.00
Fee to obtain without checking account $10.00
Late charge (per month) $10.00
Drilling fee (varies) minimum $150.00

 

 

 

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 Checking Plus) $10.00
ATM Fees -- see ATM fees  

 

Charter Checking Account  
Monthly service charge $5.00
Check copies (two per month free) each $3.00
ATM Fees – see ATM fees  

 

Checking Plus Account  
Dividends paid if balances is $500 or higher.  
Check copies (two per month free) each $3.00
No monthly service charge or Mid American ATM withdrawal fees if transactions are done on our network.
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  
Health Savings Account - Checking  
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 Accounts 

 
Business Essentials Checking  
Monthly service charge $10.00
Check copies (two per month free) each $3.00
Bill Payer (five per month free) $.50
ATM Fees – see ATM fees
Business e-Checking  
No monthly service fee, requires estatements  
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 (results in conversion fee to Business Essentials Checking) $10.00
Bill Payer (five per month free) $.50
ATM Fees -- see ATM fees  

 

 

 

Business Basic Savings  
Monthly service charge, if balance below $100 $7.00
Bill Payer (five per month free) $.50
Daily Overdraft protection transfer fee $5.00
Monthly excess withdrawal fee each $3.00
ATM Fees – see ATM fees  
Business Money MarketSavings  
Monthly service charge, if balance below $1000 $7.00
Bill Payer (five per month free) $.50
Daily Overdraft protection transfer fee $5.00
Monthly excess withdrawal fee each $3.00
ATM Fees – see ATM fees  
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, e-checking and HSA checking accounts  
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



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 $30.00
        International – foreign currency $40.00
        International – U.S. currency $40.00
        Incorrect IBAN # $25.00
Overnight weekday delivery $30.00
Overnight Saturday delivery $40.00
Returned deposit item $10.00
Interim or duplicate statement $5.00
Account research, one hour minimum per hour $15.00
Garnishment processing fee $35.00
Signature guarantee $10.00
Bill Payer Free
Return mail, no forwarding address each $5.00
Dormant Fees (1 year no withdrawals or deposits)  
        With bad address per month $20.00
        Accounts with less than $200 on deposit per month $5.00
        Youth Accounts - less than $50 on deposit per month $5.00
Mailed/paper statement fee. Applies to accounts with less than $25 in total deposits. Fee waived for accounts with e-statements or any of the following accounts: Checking, HSA, Preferred Youth and VISA credit cards $2.00

 

Lending Services  

Late fees: For consumer loans and 2nd morgages-the lesser of 5% of the past due amount or $25.00 after 10 days.

Late fees: For 1st mortgages-the lesser of 5% of the past due amount or $25.00 after 15 days

Late fees: For VISA-the lesser of 5% of the past due amount or $15.00 after 10 days.

 
VISA draft retrieval each $15.00
Insufficient funds returned payment charge $10.00
VISA replacement card $5.00
Payment by phone by check $5.00
Payment by phone by debit or credit card 4% of payment amount, min. fee $5.00, max. fee $20.00, max payment amt. $500.00
ViISA walk-thru card - disclosed at time of request
Reject fee VISA/Mastercard telephone payment $10.00
Late fee - VISA per month up to $15.00
Force Place Insurance on Loans $50.00
VISA multiple foreign currency courtesy fee 1% of transaction 
VISA single foreign transaction fee 0.8%
of transactions 
Duplicate lien release $20.00
First and second mortgage document prep fee $115.00
Payoff fax fee $20.00
Mortgage lien release $7.00
Mortgage subordinate fee $200.00

 

Teller Services  
Money orders each $2.00
Visa Travel Card each $4.00
Corporate checks (first one free) each $3.00
Check cashing fee, with no checking or loan accounts or aggregate balance greater than check being cashed $5.00
Visa Gift Card each $4.00
 
Mid American Credit Union8404 West Kellogg DriveWichita, KS 67209316.722.3921Fax 316.722.0920Privacy Policy