MIDFLORIDA, Your Community Credit Union.

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Information for You

Business Fee Schedule

Freedom Business Checking1
        if balance falls below $100
        $0.25 per transaction over 100 free transactions
per month $25.00
Free Business Checking1
        No minimum balance
        $0.25 per transaction over 500 free transactions
  No monthly fee
Business Checking with Interest1
        if balance falls below $5,000
        $0.25 per transaction over 500 free transactions
per month $25.00
Non-Profit Checking
        if balance falls below $100
per month $3.00
Business Savings2
        if balance falls below $100
per month $10.00
Business Money Market
        No minimum balance
  No monthly fee
Non-Profit Savings
        No minimum balance
  No monthly fee
Insufficient Funds (NSF) Fee
        Returned Fee (MIDFLORIDA returned the item
         for which there were insufficient funds)
            Checks and ACH
        Paid (Overdraft) Fee (MIDFLORIDA paid the
        item for which there were insufficient funds)
            Checks and ACH
                First overdraft/mo.
                Second+ overdrafts/mo.

per item

per item

per item
per item



Account Closing by mail   $15.00
Account Research (one hour minimum) per hour $10.00
Address Locator Fee per incident $5.00
Cash Advance on Foreign Credit Cards per transaction $5.00
Cashier's Check to Third Party - Member Fee per check $5.00
Check Copy Fee per item $2.00
Check Images on CD Fee per month $25.00
Check Reject Fee (for poor print quality) per item $5.00
Check Replacement Fee
         non-member fee for cashier's check
per check $5.00
Checkbook Balancing Fee per hour $10.00
Coin Exchange / Cash Deposit Fee
per day
per day

5% of amount over $200
5% of amount
Deposit Correction Fee per incident $5.00
Deposit From Work (Remote Deposit Capture)
        Software to process high-volume deposits,
        member provides scanner
per month Free
eStatement per month FREE
Excessive Debit Fee
         More than 6 withdrawals per month from
        savings or money market
per incident $25.00
Fax Machine Usage Fee per request $2.00
Foreign Check Collection Fee
         Checks under $1,000.00 US Dollars
         Checks over $1,000.00 US Dollars

per item
per item

Fund Transfer by Phone
         charged if calling a branch or Help Desk
per transaction $5.00
Garnishment Fee per incident $100.00
Inactive Fee
         no activity on account for 12 months
per month $5.00
Levy Fee per incident $100.00
Loan Payment on Foreign Debit/Credit Card per transaction $5.00
or 3% of payment, whichever is greater
Membership Cancellation Fee
        *charged if closed within 6 months
Money Order per item $3.00
Negative Balance Fee
        charged the sixth day the account is negative
per day $5.00
Night Deposit Lock Bag per item $25.00
Night Deposit Zipper Bag per item $5.00
Night Deposit Disposable Bags per item $0.50
Notary Fee - Non-members per visit $5.00
Online Banking per month FREE
Online Bill Payment per month $4.95
Online Bill Pay Rush Services
         Expedited (ACH)
         Overnight (Check)

per item
per item

Courtesy Transfer Fee
        Savings and Checking

per transfer
per transfer

Paper Statement Fee 4 per month $2.00
Phone Inquiry Fee
         charged if calling a branch or Help Desk
per call $1.00
Photocopy Fee per page $0.25
Purchase currency / rolled coin per $100 $2.00
Reference Letters per request $5.00
Return of Deposit Item per item $15.00
Return Mail Fee per item $5.00
Safe Deposit Boxes 5
         10 x 10
         5 x 10
         3 x 10
         5 x 5
         3 x 5

per year
per year
per year
per year
per year

Safe Deposit Box Key Deposit per box $5.00
Safe Deposit Box Drilling per incident $128.00
Statement Copy / Account History
         fee for a prior statement copy or a printout of
         recent transaction history
per copy $1.00
Stop Payment Order per item $25.00
Wire Transfer Fee – Domestic
         per wire
Wire Transfer Fee - Foreign
         per wire
Foreign ATM Transaction
         (Inquiry, Loan Advance, Transfer, Withdrawal)
per item $2.00
Proprietary ATM Transaction - MIDFLORIDA per item FREE
Photo of ATM Transaction per photo $60.00
Plastic Card Replacement Fee per item $5.00
Photo Debit Card Fee per item $5.99
Photo Credit Card Fee per item $5.99
  1. Multiple checks deposited in the same transaction will count as one transaction. Debit card transactions are excluded from transaction limits.
  2. Fee waived if member maintains an average daily balance of $100 in the account, or at least $50,000 in loans or # $75,000 in cumulative deposits and/or loans. Fee will be deducted from your checking or savings account at our option.
  3. If you have Check Advance and the item/transaction is $5 or less, you will not be charged a Paid Insufficient Funds Fee.
  4. The Paper Statement Fee can be avoided by signing up and accepting eStatements.
  5. The contents in your safe deposit box are safe but, unlike your accounts, they are not insured. Sizes listed are not available at all locations.

Effective 1/12/17