MIDFLORIDA, What A Bank Should Be.

Locate a Branch/ATM

Information for You

Make a Selection

Fee Schedule

Insufficient Funds (NSF) Fee per item $30.00
Paid Insufficient Funds (Overdraft) Fee1 per item $30.00
ACH Insufficient Funds Fee per item $30.00
Paid ACH Insufficient Funds (Overdraft) Fee1 per item $30.00
Paid ATM/Debit Insufficient Funds (Overdraft) Fee1
         First overdraft/mo.
         Second+ overdrafts/mo.
per item
per item
$10.00
$30.00
Negative Balance Fee
         charged the sixth day the account is negative		 per day $5.00
Stop Payment Order per item $25.00
Check Reject Fee
         for poor print quality		 per item $5.00
Checkbook Reconcilement Fee per request $4.00
Checkbook Balancing Fee per hour $10.00
Check Cashing Fee 2
        fee applies to Regular Savings, Regular
        Checking, Basic Savings, Basic Checking,
        Green Checking, Free Checking, Investor
        Checking, On-The-Go Mobile Banking,
        Freedom Banking, and Pay Plus Accounts
        - fee waived if account criteria are met		 per check $4.00
or 2% of check amount, whichever is greater
Cashier's Check to Third Party - Member Fee per check $5.00
Check Replacement Fee
         non-member fee for cashier's check		 per check $5.00
Check Copy Fee per item $2.00
Monthly Service Charge

Relationship Checking Account Fee
         fee waived if account criteria are met 3
Investor Checking Account Fee
         fee waived if account criteria are met 4
No Surprises Checking Account Fee
Freedom Banking Account Fee5
Relationship Savings Account Fee
         fee waived if account criteria are met 6

per month

per month

per month
per month
per month

$12.00

$6.00

$4.95
$2.00
$12.00
Paper Statement Fee 7
         waived for members 22 & under and 65 & over		 per month $2.00
E-Statement per month FREE
Extended E-Statement Archival Fee per year $10.00
Foreign ATM Transaction
         (Inquiry, Loan Advance, Transfer, Withdrawal)		 per item $2.00
Proprietary ATM Transaction - MIDFLORIDA per item FREE
Online Banking per month FREE
Online Bill Payment (excluding Basic Checking, Freedom and On-The-Go Mobile Banking) per month FREE
Online Bill Payment for Basic Checking, Freedom and On-The-Go Mobile Banking per month $4.95
Online Bill Pay Rush Services
         Expedited (ACH)
         Overnight (Check)
per item
per item
$5.00
$20.00
Online Bill Pay History on CD per request $25.00
Deposit From Home Fee
         ideal for personal and low-volume deposits
         0-14 items
         15-29 items
         30+ items

per month
per month
per month

FREE
$10.00
$15.00
Consumer Loan Coupon Fee 8
         effective on loans opened 4/1/2010 or later		 per year $5.00
Holiday Club Early Withdrawal Fee per transaction $5.00
Plastic Card Replacement Fee per item $5.00
Photo Debit Card Fee per item $5.99
Photo Credit Card Fee per item $5.99
Return of Deposit Item per item $10.00
Return Mail Fee per item $5.00
Statement/Account History
         fee for a prior statement copy or a printout of
         recent transaction history		 per copy $1.00
Address Locator Fee per incident $5.00
Fund Transfer by Phone
         charged if calling a branch or Help Desk - fee
         waived for Relationship Checking		 per transaction $5.00
Phone Inquiry Fee
         charged if calling a branch or Help Desk - fee
         waived for Relationship Checking		 per transaction $1.00
Overdraft Transfer (savings) per transfer $2.50
Overdraft Transfer (loan) per transfer $10.00
Account Research (one hour minimum) per hour $10.00
Low Balance Fee 9 per month $5.00
Inactive Fee
         no activity on account for 12 months		 per month $5.00
Membership Cancellation Fee   $5.00
Account Reopening   $5.00
American Express Travelers Checks 10 per $100 $1.00
Money Order per item $5.00
Directo a México - ACH Transfer per transaction $1.00
Wire Transfer Fee – Domestic
         per wire		 outgoing
incoming		 $20.00
$10.00
Wire Transfer Fee - Foreign
         per wire 		outgoing
incoming		 $30.00
$10.00
Garnishment Fee per incident $100.00
Levy Fee per incident $100.00
Cash Advance on Foreign Credit Cards per transaction $5.00
Loan Payment on Foreign Debit/Credit Card per transaction $5.00
or 3% of payment, whichever is greater
Mortgage Verification Fee per item $20.00
Fax Machine Usage Fee per request $2.00
Photocopy Fee per page $0.25
Photo of ATM Transaction per photo $60.00
Safe Deposit Boxes 11
         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
$100.00
$65.00
$50.00
$40.00
$35.00
Safe Deposit Box Key Deposit per box $5.00
Safe Deposit Box Key Replacement per incident $32.00
Safe Deposit Box Drilling per incident $128.00
Notary Fee - Non-members per visit $5.00
Coin Exchange Fee (coin counter and rolled coin)
         Youth Savings
         Members
         Non-members		 per day
FREE
5% of amount over $200
5% of amount
Foreign Check Collection Fee
         Checks under $1,000.00 US Dollars
         Checks over $1,000.00 US Dollars
per item
per item
$5.00
$10.00
Purchase Currency/Rolled Coin per $100 $2.00
Monthly Service Charge for Retired Accounts

         Senior Checking Account Fee
                 fee waived if account criteria are met 12
         Green Checking Account Fee
                 fee waived if account criteria are met 13
         Regular Checking Account Fee
         Basic Checking Account Fee

per month

per month

per month
per month

$6.00

$5.00

$3.00
$8.95
  1. If you have Check Advance and overdraft your account by $5 or less, you will not be charged a Paid Insufficient Funds Fee.
  2. Fee may be waived if you maintain a cumulative balance of $500 or have other deposit or loan products with MIDFLORIDA.
  3. Fee waived if member maintains a daily balance of $1,500 or at least $10,000 in cumulative deposits and/or loans. Fee waived for members 65 years or over.
  4. Fee waived if member completes 12 debit card transactions each month (excluding ATM withdrawals, transfers and deposits), maintains a minimum daily balance of $1,000 and a monthly direct deposit.
  5. Fee refunded with 10 or more debit card purchase transactions per month. Transactions performed at an ATM will not qualify.
  6. Fee waived if member maintains a daily balance of $10,000 in cumulative deposits.
  7. The Paper Statement Fee can be avoided by signing up and accepting E-Statement.
  8. To avoid the Loan Coupon Fee, you can choose to print coupons within Online Banking or set up payments by auto-transfer or payroll deduction.
  9. Fee may be waived if you maintain at least $100 in savings or have additional deposit or loan products other than checking. Fee waived for On-The-Go Mobile Banking and Freedom Banking accounts.
  10. American Express Travelers Checks are available at branches by pre-order only or on demand at the Tower branch.
  11. 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.
  12. Fee waived if member maintains a $5,000 balance in Senior Savings or a $1,000 balance in Senior Checking every day of the month.
  13. Fee waived if member completes five debit card transactions each month and maintains online banking and E-Statement.

Fee Explanations and Transaction Descriptions