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Cash Back |
Mobile Banking (MemberMobile)
| Online Banking (WebLine)
Online Bill Pay
Check Copy Online
Point-of-Sale/Purchase Transactions1 (any
Transfers using CashLine/WebLine
(excluding CashPlus Advances)
Cash Withdrawals at an ATM2 $60 and
Balance Inquiry at ATM2 (per
VISA Bonus Check Card Surcharge Free
ATM Card Surcharge Free Network3 (monthly) (optional
Transaction Over Regulation D Limit
Travelers Cheques (per $100)
Money Order ($1,000 max)
Cash Withdrawals at non-MSCU ATMs less
than $60 (each)2
Cashiers Check (if payable to other than
Foreign Deposited Item (plus any
additional fees charged by processing banks)
Copy of Check Issued by Credit Union
Pay by Phone Loan Transactions
Auto Transfer from Other Savings for
Wire Transfer In
Address Locator Fee (per address/member)
Deposited Item Returned Unpaid
Domestic Wire Transfer Out
Staff Assistance/Research (per hour)
Closed Account within 6 months
HSA | IRA Custodial Transfer Fee
Non-Sufficient Funds/Overdraft Advance6
International Wire Transfer Out
Tax, Levy, Garnishment
Transactions made outside of the U.S. will incur an
International Transaction Fee for 1% of the transaction.
ATMs owned and operated by other Financial Institutions
may impose a surcharge on you for using their machine. A notice
about the surcharge will appear on the ATM before you make a
Optional service. Free with Ultimate & Cash Back Checking.
No Fee charged to IRA or Certificate Accounts.
Automated Transfer to cover an overdraft.
By check/draft, ACH, bill payment or ATM/Check Card/Point of Sale
By check/draft, ACH, bill payment.
Refer to our Truth-In-Savings Agreement for details on how to
eliminate the fee.
Information on the Federal Reserve
Board’s Regulation D and Your Account
For your protection, your accounts are regulated by the Federal Reserve
Board. The Federal Reserve Board’s Regulation D limits the number of
certain withdrawals and transfers from your savings accounts. All
financial institutions are subject to this regulation.
Examples of MSCU savings accounts
affected by this regulation are Regular Share (Savings), Club, and Money
Market Investment accounts. Transactions on MSCU Checking Accounts are
not limited by this regulation.
Regulation D, allows you up to six (6) preauthorized or automatic
withdrawals or transfers to another account at the same credit union or
to a third party during a calendar month. You may have no more than
three (3) of these six (6) transfers caused by check, debit card, or
similar order, clearing your account. A "preauthorized transfer"
includes any arrangement you or the credit union make either to pay a
third party from your account, one time, on written or verbal
instruction, or to pay a third party from your account on a fixed
schedule such as any ACH authorizations.
The table shown below indicates the limitations of various types of
Transaction not subject to limitation:
to six (6) per month:
Transactions made in person
Transactions made at an ATM
One time transactions initiated by
letter mailed to credit
One time transactions initiated by
Transactions to pay a Loan or VISA with MSCU
Tips to comply with Regulation D
Allocate more of your direct deposit
or payroll deduction funds to be applied directly to your Checking
If you use WebLine or Internet
Banking to transfer from one of the regulated accounts to your Checking Account to cover checks, plan ahead and
make one large transfer instead of several smaller ones.
If you use MemberPay (online bill
payment service) and have your primary source of your overdraft
protection one of the regulated accounts, schedule your payments for
one process date each week and you will only have one automatic
overdraft transfer per week which will count toward your monthly
limit of six (6).
Set up ALL preauthorized electronic
funds transfers (ACH) and electronic withdrawals from your Checking Account not your regulated
accounts. For example, if you have an insurance premium, car or
mortgage payment automatically withdrawn from your Savings Account,
you are subject to Regulation D limitations.
Use your MSCU
CashPlus Line of Credit as the primary source of your overdraft
protection. Please contact our loan department to set this up as
your current Checking Account coverage option or to apply for this
Pre-qualification Mortgage Application
Network Opt-Out Form
Transfer Request Form
ATM Card Application
ATM/VISA Check Card
Change of Address Form
Fraud Headlines & Alerts
Tips to Prevent
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