Fee Schedule effective September 15, 2011
| Inactive account (checking/savings) | $5.00/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 account 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 |
| 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 | $25.00 |
| Visa credit card overlimit (by at least $25) | $25.00 |
| Verification of deposit/credit | $10.00 |
| Wire transfers/traces – outgoing | Domestic5: $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 |
| Non-member check cashing fee | $5.00 |
- Account Information Brochure
- Electronic Funds Transfer
- Privacy Notice
- Visa Credit Card Agreement and Disclosure
- Check Hold/Funds Availability Policy
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.
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.
5Fee is waived for Rewards Checking account holders.
6Per item or same day series. Fee waived for Rewards Checking account holders.
7Waived by maintaining an average daily balance of $5,000 per month.
8Fee assessed upon denial of a second loan application within a six-month period.
