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Surcharge Free ATMs and Shared Branches
Enter your zip code to find a surcharge-free ATM, MCT branch, or shared credit union branch.

Fees & Disclosures 

Fees & Disclosures

Fee Schedule


effective May 1, 2010 

 

Inactive account (checking/savings) $3.00/month after 12 months
Incorrect address $5.00 
Account research $50.00 per hour
Document copy $5.00 per page
Attorney referral $85.00/$120.00 (if suit filed)
Tax levies & attachments $75.00

ATM fees (non-MCT machine)         withdrawals1 & balance inquiries


$1.00 per transaction

ATM/Debit Card replacement2

First card: free
Second card: $5.00
Third card and beyond: $10.00

Business checking (balance under $2,500) $15.00/month
Business withdrawal  $0.25 per withdrawal in excess of 40 withdrawals per month
NSF (non-sufficient funds) $30.00
Courtesy Pay3 $30.00
Foreign check deposit4 $25.00
Debit/credit card rush replacement $25.00
Cashier's check (3rd Party)5 $5.00

Traveler's Checks5

1% of total transaction
Stop payment6 $30.00
 ACH Stop payment  $30.00
Check copy (free download thru Online Banking) $10.00
Rewards Checking monthly fee7 $10.00
Late loan payment 5% or $25.00 (whichever is greater)
Visa credit card late payment $30.00
Visa credit card overlimit $30.00
Verification of deposit/credit $10.00
Wire transfers/traces – outgoing

Domestic: $20.00
Foreign: $45.00

 Early withdrawals: Holiday Club, Summer Paycheck, and Vacation Club  $25.00

 Web Bill Pay- Free except for
     Overnight check
     Same-day ACH


$20.00
$10.00
 One-time electronic Transfer
(for late loan payments)
 $5.00

 Loan re-application fee8

$25.00

 

Fees are subject to change.
1 Waived fees: 6 free per month for members with Direct Deposit greater than or equal to $1,000 per paycheck and eStatements; 4 free per month for members with less than $1,000 per paycheck and eStatements; 4 free per month for Student Account holders; and all fees waived for Rewards checking.
2 One free debit card per 24 months; subsequent cards subject to fee.
3 Fee imposed for overdraft created by checks, Web Bill Pay and debit card transactions, and electronic payments set up automatically (ACH transactions).
4 MCT only accepts checks drawn on U.S. or Canadian banks.
5 Fee is waived for Rewards Checking account holders.
6 Per item or same day series.  Fee waived for Rewards Checking account holders.
7 Waived by maintaining an average daily balance of $5,000 each month.
8Fee assessed upon denial of a second loan application wihtin a six-month period.

 

 

Account Disclosures

 


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