Stories Matter
Fee Schedule
KEEPING YOUR FEE’S LOW
As a Not-For-Profit we give back to our members by keeping our fees as low as we can. Our philosophy behind fees is to cover the cost of doing business and charge reasonably for our service – NOT burden our members with excessive charges or junk fees.
Here’s what we don’t charge you for because of this philosophy:
- Deposit Item Return Fee: We do not charge an NSF fee if you deposit a check from someone else in good faith, but it bounces on you.
- Late Payment Fee on Credit Cards: We do not charge a late fee if you make your credit card payment after your due date (but you still have to make your payments).
Each Member is provided a copy of our fee schedule when they open an account, but over time our fees may change. You can request a copy of the current fee schedule by calling us at (509) 838-8960 or emailing msr@smfcu.org.
the fees we do charge
Fee Schedule last updated April 2024
Checking Account Fee's
- Overdraft Transfer: $2.00 per transfer
- Non-Sufficient Funds (NSF): $25.00 per item
- Stop Payment: $25.00 per request
- Check Printing: Prices may vary depending on style
Overdraft Protection Service Fee's
- Overdraft on Share Draft, ACH, then Debit Card Transactions = $2.00 per overdraft transfer amount (transfers in increments of $50)
Courtesy Pay Fee's
- Overdraft up to $400 max = $25 per item (max of $100 per day)
Other Service Fee's
- Account Reconciliation: $25.00 per hour
- Account Research: $25.00 per hour
- Statement Copy: $5.00 per copy
- Return Mail Bad Address: $2.00
- Cashiers Check: $2.00 per check
- Wire Transfer (incoming or outgoing): $15.00 per wire
- International Wire Transfer: $45.00 per wire
- Inactive Account: $10.00 per month after 2 years
- Account History Printout: $.50
- Loan Application: $20.00 per application
- Lost Debit/Credit Card Replacement: $8.00
- Early ACH Posting: $5.00 per transaction or payroll
Why choose media credit union?
Member Owned: As a not-for-profit organization, any extra money made is returned to members through better rates on loans and savings, lower fees, or additional services.
Community Focused: We focus on serving the financial needs of our local communities, which benefits the community we live in. Members help each other financially, creating a supportive and collaborative environment.