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......................................................................................$5.00Service 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 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 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. 7/21