Checking Account Fees
T otally Green Checking/T otally Gold Checking......................................FREE
Classic Checking..................................$5.00/month (minimum balance fee)
Money Market Checking....................$5.00/month (minimum balance fee)
Rebuild Checking............................................................................$10.00 / month
Check Fees        
Personal Check Printing.............Based on check style, starting at $16.00
T emporary Checks................................................................................$1.00/page
Cashier�s Check................................................................................................$5.00
Money Order.......................................................................................................$3.00
Wire Transfer 
Domestic Wire Transfer........................................................$25.00 for sending
International Wire Transfer..................................................$50.00 for sending
Incoming Wire Transfer.........................................................$5.00 for receiving
Returned Wire....................................................................................................$5.00Service Fee 
Schedule
International Item Fees  
International Currency - Purchasing.......................................................$15.00
Processing International Checks 
      Canadian Checks......................................................................................$10.00  
      International Checks requiring short collection...........................$35.00      
      International Checks requiring long collection..........................$100.00
ComputerLine� .................................................................................................FREE
Bill Payment .......................................................................................................FREE
Card Fees
Replacement Cards  
ATM.................................................................................................................$5.00
Debit or Credit............................................................................................$5.00
Rush Card Fee
        Domestic ...................................................................................................$20.00
        International .............................................................................................$35.00
Visa Gift Card .....................................................................................................$4.00
Reloadable Visa Prepaid Card .....................................................................$4.00
Reload Existing Reloadable Visa Prepaid Card .....................................$2.50
Non-CO-OP1 Network ATM .................................................$1.00/transaction
1 A Non-CO-OP Network ATM fee may be charged for each inquiry and each 
transaction at such an ATM and multiple fees could be charged during the same 
ATM session. Non-CO-OP Network ATMs are those not owned by MSUFCU or 
third parties participating in the CO-OP Network.
International Service Assessment (ISA)2
ATM & PIN-Based Transactions.....................................................1.00% of the
                                    International Transaction Amount
Signature-Based Transactions......................................................3.00% of the
                                    International Transaction Amount
2 ISA does not apply to Platinum Plus or Visa Signature Credit Cards. 
International transactions are transactions initiated at an ATM that dispenses 
currency other than U.S. dollars or with a merchant who processes the 
transaction in a country other than the U.S. International transactions include 
internet and other transactions initiated in the U.S. with a merchant who 
processes the transaction in a foreign country. ISA is calculated after the 
transaction has been converted to U.S. dollars.  Miscellaneous Fees
ACH TEL (one-time ACH deposit or payment to MSUFCU 
Account)�......................................................................................................�..$5.00
Bond Coupon Processing............................................................................$10.00
Canceled Check Copy.....................................................................................$5.00
Coin Machine Use (Nonmembers).........................................................10% fee
Courtesy Pay3, 4 (Overdraft).........................................................................$30.00 
Courtesy Pay for Debit3, 4 (Overdraft).......................................................$30.00
Dormant Account................................................................................$5.00/month
Garnishment/Levy..........................................................................................$75.00
Non-Sufficient Funds (NSF)3.......................................................................$30.00
Notary.............................First 2 pages free, $1.00 for each additional page
Overdraft Transfer Notice (Paper)...............................................................$5.00
Overdraft Transfer Notice (Electronic)........................................................FREE
Research/Checkbook Balancing....................................................$25.00/hour
Returned Deposited Item........................................................Domestic $15.00
                                            International $50.00
Escheatment....................................................................................................$75.00
Safe Deposit Boxes (at select locations)
        3�x5�x24�.........................................................................................$30.00/year
        3�x10�x24�......................................................................................$40.00/year
        5�x10�x24�....................................................................................$60.00 / year
        10�x10�x24�.................................................................................$120.00/year
        10�x15�x24�.................................................................................$200.00/year
        Drilling to Open a Box.........................................................................$280.00
        Lost Key......................................................................................................$35.00
Skip-A-Pay.........................................................................................................$35.00
Statement Copy.................................................................................................$5.00
Stop Payment..................................................................................................$25.00
Phone Transfer....................................................................................................FREE
3 Y ou may be charged a Courtesy Pay, Courtesy Pay for Debit, or NSF 
fee, as applicable, each time a transaction is presented for payment
and the available balance is insufficient, even if the transaction was 
previously rejected and a fee was previously charged. For example, a 
transaction you authorize (such as a check or an ACH debit) may be 
presented or submitted for payment multiple times and MSUFCU will 
determine whether or not the available balance is sufficient to pay 
the transaction each time it is presented or submitted. This means 
you could be charged multiple fees (including multiple NSF fees or 
a combination of multiple NSF fees and a Courtesy Pay fee) for one 
transaction that you authorized. Note: It is the merchant (or other 
individual or entity), not MSUFCU, that determines when and through 
which payment channel to present or submit a transaction against 
your account (and whether to present again or resubmit a transaction 
that was previously rejected). 4 Courtesy Pay and Courtesy Pay for 
Debit (when opted in) are protected with Balance Shield and a fee will 
not be assessed if the available balance is negative $5.00 or less.
Rev. 11/21