We take pride in our lower fees
One big advantage of belonging to Mid American is that we - like other credit unions - are a not-for-profit financial cooperative. Since we don't answer to shareholders, we can make financial decisions that benefit our members. That includes setting fees and charges at a level that covers our costs - and nothing more.
Important Changes Effective December 1, 2026.
We're making several updates to our Consumer and Business Fees and Service Charges Disclosures designed to provide additional value and flexibility to our members.
Safe Deposit Boxes
$10 discount on rates listed below with direct deposit checking account.
- 3 x 10 | $35
- 5 x 10 | $50
- 10 x 10 | $75
- Key deposit | $10
- Lost key | $10
- Late charge (per month) | $10
- Drilling fee | varies, minimum $150
Checking Accounts
Business Accounts
Business Essentials Checking
- Monthly service charge | $10
- ATM Fees | see ATM fees below
Business e-Checking
- No monthly service fee, requires e-Statements
- Check copies (two per month free) | additional copies $3 each
- Less than 10 Visa debit card transactions per calendar month | $7
- Invalid e-mail address for e-Statements (results in conversion fee to Business Essentials Checking) | $10
- ATM Fees | see ATM fees below
Business Basic Savings
- Monthly service charge, if balance below $100| $7
- Daily Overdraft protection transfer fee| $5
- Monthly excess withdrawal fee| $3 each transaction
- ATM Fees| see ATM fees below
Business Money Market Savings
- Monthly service charge, if balance below $1,000 | $10
- Bill Payer (five per month free) | $0.50 per additional transaction
- Daily Overdraft protection transfer fee | $5
- Monthly excess withdrawal fee | $3 each
- ATM Fees | see ATM fees below
ATM Fees
Additional charge per transaction if ATM transaction is done outside our no-surcharge ATM network | $2
Fees:
Savings Accounts
- Withdrawals (three per month free) | $0.75 each additional withdrawal
- Rejected transaction | $0.60 each
- Insufficient funds for ATM or Debit Card transaction | $30
- Replacement debit card | $5
Checking Accounts
Applies to Charter Checking, Checking Plus
- Rejected transaction | each $0.60
- Withdrawals (four per month free) | each $0.75
- Point of sale transaction | no charge
- Insufficient funds for ATM transaction | $30
- Replacement debit card | $5
Direct Deposit, e-checking and HSA checking accounts
- Rejected transaction | each $0.60
- Point of sale transaction | no charge
- Insufficient funds for ATM transaction | $30
- Replacement card | $5.00
Fees Common to All Accounts
- New member fee | $10
- Instant issue personalized card (one free per member per year) | $5
- Insufficient funds (check or electronic item) | $30
- Courtesy pay fee | $30
- Stop payment fee | $30
- Wire transfers (minimum $100): Domestic, $30; International – foreign currency, $40; International - U.S. currency, $40; Incorrect IBAN #, $25
- Overnight weekday delivery | $30
- Overnight Saturday delivery | $40
- Returned deposit item | $10
- Interim or duplicate statement | $5
- Mailed/paper statement fee | $2 (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, Youth and Visa credit cards.)
- Account research, one hour minimum| $15 per hour
- Garnishment processing fee | $15
- Signature guarantee | $10
- Bill Payer | Free
- Return mail, no forwarding address | each $5
- Bad address| $10 per month
Dormant Fees
No withdrawals or deposits for one year.
- Accounts with less than $200 on deposit | $5 per month
- Youth Accounts - less than $50 on deposit | $5 per month
Lending Services
- Late fees: For consumer loans and second mortgages| the lesser of 5% of the past due amount or $25 after 10 days
- Late fees: For first mortgages | the lesser of 5% of the past due amount or $25 after 15 days
- Late fees: For Visa | the lesser of 5% of the past due amount or $15 after 10 days. Visa draft retrieval each | $15
- Insufficient funds returned payment charge | $10
- Visa replacement card | $5
- Payment by phone with MACU employee | $15
- Payment by phone (online banking) | $10
- Payment by phone for Visa and line of credit loan payments | maximum fee $20; maximum payment amount $500
- Visa walk-thru card | disclosed at time of request
- Reject fee Visa/Mastercard telephone payment | $10
- Late fee Visa: Up to $15 per month
- Visa multiple foreign currency courtesy fee | 1% of transaction
- Visa single foreign transaction fee | 0.8% of transactions
- Duplicate lien release | $20
- Payoff fax fee | $10
- Mortgage lien release | $20
- Mortgage subordinate fee | $200
Teller Services
- Corporate checks | $3 each
- Check cashing fee, with no checking or loan accounts or aggregate balance greater than check being cashed | $5 each
- Visa Gift Card | $4 each