SERVICE FEE SCHEDULE

Checking Account Fees
Totally Green Checking/Totally 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
Temporary 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.............................................................................................$5.00

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.............................................................................................$4.50
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, including a balance inquiry. Multiple fees could 
be charged during the same ATM session, such as a balance inquiry fee 
and a withdrawal fee. 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 and 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
3..............................................................$30.00

Non-Su昀케cient Funds (NSF)
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 You 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 insu昀케cient, 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 su昀케cient 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 Balance Shield allows members 
to overdraft their eligible checking accounts by $5.00 or less with no fee. 
Balance Shield applies to both Courtesy Pay and Courtesy Pay for Debit 
(when opted in) on eligible checking accounts and associated  
debit cards.

Rev. 07/22