Schedule of Fees
See current fees for all of our products and services.
| New Member Fee | $5.00 Per member | Waived for members under age 18 or 65+ |
| Minimum Withdrawal | $5.00 From Share Savings | |
| Non-Sufficient Funds (NSF) | $31.00 Per item | |
| Courtesy Pay | $31.00 Per item cleared | |
| Stop Payment for Unavailable Funds | $31.00 Per item | |
| Stop Payment Request | $20.00 Per sequence | No fee for online stop payment request |
| Returned item | $31.00 Per personal check | |
| Returned item - Third Party | $10.00 Per item | |
| Below $50.00 Minimum Balance | $10.00 Per month | Applies only to Primary Share Savings Account |
| Paper Statement by Mail | $3.00 Per month | eStatements - No Charge |
| Excessive Withdrawal | $5.00 Per withdrawal | After three withdrawals per month on Share Savings Account |
| Christmas Club Withdrawal | $10.00 Per withdrawal | After the first withdrawal |
| Dormant Account | $10.00 Per month | After 12 months of inactivity and balance below $200. Members over 18. |
| Inactive Checking Account | $10.00 Per month | After six months of inactivity and checking account balance below $500. Members over 18. |
| Early Account Closure | $50.00 Per Account | Applies if membership is closed within twelve months of opening |
| Account re-opening | $10.00 plus membership fee | Applies if account is re-opened within one year of closing membership |
| Starter Check (reprint after initial) | $4.00 Per page | |
| Check Printing | Price varies depending on style | |
| Third Party Payment | $3.00 Each | Applies after three MTC Federal issued checks within a week |
| 1% Check Cashing Fee | Min of $2, max of $20 | If no loans or <$200 in total balance. Waive for members under 18 or 65+ |
| Rolled Coin Deposit | Min. $1.00, max $0.10/roll | Waive for members under 18 |
Money Market Account Fees
| Below Money Market Minimum Balance | $10.00 per month | Fee applies to any Money Market Account |
| Money Market Excessive Withdrawal | $10.00 Per withdrawal | After six withdrawals per month on Money Market Account |
Other Account Related Fees
| Levy/Garnishment/Legal Process | $25.00 Per occurrence | |
| Escheatment Notice | $50.00 Per occurrence | |
| Verification of Deposit | $10.00 Per request | |
| Returned mail handling | $8.00 Per month. | For items returned to the credit union as a result of a bad address |
| Overnight mail | Pass through of actual costs | |
| Personal Fax - Domestic | $1.00 Per page | Within US |
| Personal Fax - International | $5.00 first page, $2 add'l | |
| Personal Copies | $0.50 Per page | |
| Research Services | $25.00 Per hour | |
| Statement Copy | $5.00 Per month | |
| Account History | $2.00 Per page (free online) | Applies to history printed in-branch |
| Check Copies | $5.00 Per copy (free online) | |
| Copy of other account items | $2.00 Per page | |
| Substitute Check Fee | $5.00 Per item | |
| Foreign Check Cashing | Pass through of actual costs | |
| Account Reconciliation | $20.00 Per hour | |
| Check Replacement | $10.00 Per item | Non-members replacement of a personal check with Certified Check |
| Domestic Outgoing Wire Fee | $10.00 Per transfer | |
| International Outgoing Wire Fee | $45.00 Per transfer | |
| Incoming Wire Fee | $5.00 Per item received |
Safety Deposit Box**
| 3x5 | $20.00 per year | |
| 3x10 | $30.00 per year |
Electronic Banking Transactions
| Foreign ATM Transactions | $1.00 Per transaction | 6 free per month; $1.00 each after 6 (Inquiry, Transfer or Transaction) |
| Chip Debit Card Replacement Fee | $10.00 Per occurrence | |
| PIN Reminder Fee | $3.00 Per occurrence | |
| Decoupled Transaction Fee | $10.00 Per month | For 1 or more transactions per month |
| Debit Card ISA Fee | Pass through of actual costs | |
| Debit Card Express Delivery | Pass through of actual costs | Per Member request |
| Bill Pay - Miscellaneous Fees | Pass through of actual costs | Per Member request |
* The fees appearing above are accurate as of October 3, 2024. If you have any questions or require current fee information on your account, please contact your local branch.
** Available at Ardmore, OK 12th Avenue Branch Only.
©2024 MTC Federal Credit Union. Any item or transaction can be presented for payment multiple times, which is beyond the control of the Credit Union. Each presentment will be charged a separate overdraft fee even though it may be for a repeat presentment.