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Fees & Disclosures
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 |
|
| ATM/Debit Card replacement2 |
First card: free |
| 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 |
| Early withdrawals: Holiday Club, Summer Paycheck, and Vacation Club | $25.00 |
|
Web Bill Pay- Free except for |
$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
- Privacy Notice and Billing Rights
- Visa Credit Card Agreement and Disclosure for credit cards issued AFTER January 11, 2010
- Visa Credit Card Agreement and Disclosurefor credit cards issued BEFORE January 11, 2010
- Check Hold/Funds Availability Policy
