Attention:

Christmas Club Accounts: Funds will automatically be disbursed into your Regular Savings Account the first week in November; however, you may withdraw funds from your Christmas Club Account in October without being charged an early withdrawal fee

Pay Your Loan

Loans Savings Fee Schedule Certificates

Effective as of: 5/1/17
Fee Schedule
Check OrdersVaries by Choice
Insufficient Funds (Return Checks) $35.00
Courtesy Pay (NSF)$35.00
Stop Payments (Checks or EFT/ACH)$35.00
Deposited Item / Cashed Check Returned Fee$35.00
ACH Insufficient Funds$35.00
Check Cashing Fee (w/o multiple services or $100 min bal)$5.00
Copy of Draft (Volcorp)$2.50
Courtesy pay (Overdraft Protection) *No Fee
* Members may opt-out of the Courtesy Pay program by notifying the credit union in writing at any time. By doing so, you the account holder realizes that no NSF items presented for payment will be posted by the credit union and you will still be charged the $35.00 NSF fee for every item presented.
 
General Charges
Printed Statement Fee$2.00 per copy
Tax, Levy/ Legal Notice Fee$20.00
Account Reserch Fee (per hour)$75.00
Cash Advance Fee4% of payment
Return Mail Fee$5.00
Domestic Wires (Outgoing Only)$30.00
Internation Wires$50.00
International Transaction Fee $1.50
Statement Copy (Account History)$1.00 per page
Certified Check (1 free check per day)$3.00
Inactive Account (after one year with NO Activity)$10.00 Monthly
Share Accounts opened less than 90 days$10.00
Christmas Club (Early Withdrawal Penalty)$10.00
Share Account Withdrawals (Over 6 per month, unless in branch)$5.00
*Share account dividends are day of deposit/day of withdrawal and paid quarterly.
 
Debit/ATM Card
Gift Card Activation Fee$3.00
Insufficient Point of Sales (POS)$35.00
Insufficient Funds (Debit Card)$35.00
Replacement of an Debit Card$7.50
ATM Fees *No Charge
*Foreign ATM Fees Varies (Foreign ATM fees are charged by using machines other than JCMC Lobby, NP Drive Up, Sycamore Shoals, Franklin Woods, CBO, Allpoint Branded ATMs and area Walgreens)
 
Lending Fees
Non-Refundable Loan Application Feesup to $250.00
Mortgage Loanup to 1% origination fee
Late Fee5% of payment past due
GAP Insurance$450.00
Helping Hand Loan Fee$20.00
* An excessive savings withdrawal will be charged if you make over (6) pre-authorized, automatic, online banking or telephone transfers from your share account to another account or to a third party in any month. Our share account dividends are day of deposit day of withdrawal and paid quarterly.
Online Loan Payment via credit/debit or e-check$10.00
 
Per Day ATM Maximum Withdrawal$500.00
Per Day Point of Sale Debit Cards$1000.00
Member Identification Program - Mountain States Credit Union will obtain a credit report when opening an account for you. Based on your credit rating MSCU may offer you all of our services and products or may deny your account request. If you do not wish for MSCU to obtain a credit report, we will not be able to open an account for you.