Effective as of: 10/1/2021

Fee Schedule

Share Drafts

Check Order

Varies By Choice

Varies by Choice

Insufficient Funds (Return Checks)

Courtesy Pay (NSF)

$30.00

$30.00

Stop Payments (Checks or EFT/ACH)

Copy of Draft (VolCorp)

$30.00

$1.00

Deposited or Cashed Checks Returned Unpaid

Automatic transfers from Share to Share Draft

$30.00

$1.00

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 $30.00 NSF fee for every item presented.

General Charges

Return mail fee

   

$5.00

Domestic Wires

International Wires

3.39% and up

4.49% and up

International Transaction Fee

Statement Copy (Account History)

3.39% and up

4.49% and up

Certified Check (One Fee Check a Day, Additional Checks)

Dormant Account (After one year with No Activity a monthly fee of $5.00 will be charged.)

3.39% and up

4.49% and up

Share Accounts opened for less than 90 days

Christmas Club – Early Withdrawal

3.39% and up

4.49% and up

Share Account (Savings) *

3.39% and up

* 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.

Check Cashing Fees: With Activity

Check Cashing Fees: Without Activity Over $100.00

No Charge

$5.00

Check Cashing Fees: Without Activity Under $100.00

$3.00

Debit/ATM Card

Gift Card Activation Fee

  

$3.00

Insufficient Point of Sales (POS)

Insufficient Funds (ATM/Debit Card)

$30.00

$30.00

Replacement of an ATM/Debit Card

ATM Fees *

$7.50

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

Auto

    

$100.00

Mortgage Loan

Personal Loan

    

Fee Varies

Late Fee

Helping Hand Loan Fee

5% of Payment

$20.00

GAP Insurance

Per Day ATM Maximum Withdrawal

$400.00

4.49% and up

Per Day Point of Sale Debit Cards

36 Months

$500.00

$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.