MSCU Fee Schedule

Effective Date: April 10, 2023

The following schedule describes the charges and fees that may be charged on your account(s).

Checking Account Services	Fee
Essential Checking¹	$2.00
Enhanced Checking	$6.00
Elevated Checking	$8.00
Freedom Checking	$6.00
Paper Statement²	$2.00
¹ Monthly Service Fee waived for those age 65 or older or minors (those under 18 years of age). Fee waived with direct deposit of $100 per month. ²Paper statement fees waived for those age 65 or older.

DEBIT CARD SERVICES	FEE
Rush Order for Delivery of Debit Card	$25.00
EMV Card Replacement	$15.00
Non-MSCU ATM WD (Withdrawal)	$3.25
Non-MSCU ATM Inq (Inquiry)	$3.25
Non-MSCU ATM XFR (Transfer)	$3.25

DEPOSIT SERVICES	FEE
Cashier’s Checks	$8.00
Copy of Official Check Issued by Credit Union	$5.00
Dormant/Inactive Account (Per Month)	$5.00
Money Order ($1,000 Max)	$5.00
Stop Payments	$35.00
Pay-By-Phone Loan Payments from another Financial Institution	$10.00
Foreign Deposited Item (plus any additional fees charged by processing banks)	$5.00+
Address Locator Fee (Monthly)	$10.00
In Branch Print Fee per Statement	$2.00

IRA ACCOUNT SERVICES	FEE
HSA or IRA Custodial Transfer	$35.00

OVERDRAFT/RETURNED ITEMS SERVICES	FEE
Deposited Item Returned Unpaid	$25.00
Courtesy Pay Fee/Non-Sufficient Funds (NSF)	$37.50
Overdraft Transfer Fee	$10.00

WIRE TRANSFER SERVICES	FEE
Incoming Wire Transfer	$15.00
Outgoing Wire Transfer (Domestic)	$30.00
Outgoing Wire Transfer (International)	$65.00

BUSINESS CHECKING	FEE
$1,000 Minimum Daily Balance Requirement to avoid monthly fee	$10.00

MONEY MARKET/MONEY MARKET SPECIAL ACCOUNTS	FEE
$1,000 Minimum Daily Balance Requirement to avoid monthly fee	$5.00

These fees are accurate as of April 10, 2023. We may amend fees at any time. If you have any questions

or require current fee information on your account(s), please contact MSCU at 800.761.2400.

The following schedule describes the charges and fees that may be charged on your account(s).