MIDFLORIDA, What a Bank Should Be.

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Information for You

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. per item $10.00
Second+ overdrafts/mo. per item $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 Fee2 Check Cashing Services are limited to holders of savings accounts. Fee may be waived if savings 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 refunded if account criteria are met 3 per month $12.00
Investor Checking Account Fee fee refunded if account criteria are met 4 per month $6.00
Freedom Banking Account Fee 5 per month $2.00
Relationship Savings Account Fee fee refunded if account criteria are met 6 per month $12.00
Paper Statement Fee 7 waived for members 22 & under and 65 & over per month $2.00
eStatement per month FREE
Early Paycheck (ACH of $100 or more)8 per item $1.00
Extended eStatement Archival Fee9 per year $10.00
Foreign ATM Transaction (Inquiry, Loan Advance, Transfer, Withdrawal) per item $2.00
Proprietary ATM Transaction - MIDFLORIDA per item FREE
Online Bill Payment for Basic Checking
and Debit Card Banking (available at age 18)
per month $4.95
Online Bill Pay Rush Services
Expedited (ACH) per item $5.00
Overnight (Check) per item $20.00
Online Bill Pay History on CD per request $25.00
Consumer Loan Coupon Fee 10 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
Portal Debit Card Fee (excluding business accounts) per month $5.00
Return of Deposit Item per item $15.00
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 11 per month $5.00
Inactive Fee no activity on account for 12 months per month $5.00
Membership Cancellation Fee charged if account closed within first six months $5.00
Money Order per item $5.00
Wire Transfer Fee – Domestic
outgoing per wire $20.00
incoming per wire $10.00
Wire Transfer Fee – Foreign
outgoing per wire $30.00
incoming per wire $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 12
10 x 10 per year $100.00
5 x 10 per year $65.00
3 x 10 per year $50.00
5 x 5 per year $40.00
3 x 5 per year $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 per day FREE
Members per day 5% of amount over $200
Non-members per day 5% of amount
Foreign Check Collection Fee
Checks under $1,000.00 US Dollars per item $5.00
Checks over $1,000.00 US Dollars per item $10.00
Purchase Currency/Rolled Coin per $100 $2.00
Monthly Service Charge for Retired Accounts
Senior Checking Account Fee fee refunded if account criteria are met 13 per month $6.00
Green Checking Account Fee fee refunded if account criteria are met 14 per month $5.00
Regular Checking Account Fee per month $3.00
Basic Checking Account Fee per month $8.95
No Surprises Checking Account Fee per month $4.95
Value Pack (Relationship, Senior and Life Checking) per month $4.00
Value Pack (Free or Basic Checking without free check orders) per month $4.00
Value Pack (Free or Basic Checking) per month $5.00
  1. If you have Check Advance and the item/transaction is $5 or less, you will not be charged a Paid Insufficient Funds Fee.
  2. Fee may be waived if you have loans with us, have a Youth Savings account, have a Relationship Savings account or Relationship Checking account, have Debit Card Banking (for ages under 18), have a Certificate account, or have a cumulative balance in all deposit accounts of at least $500. Fee will be deducted from your checking or savings account at our option.
  3. Fee refunded 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 refunded if member maintains a minimum daily balance of $1,000.
  5. Fee refunded with 10 or more debit card purchase transactions per month. Transactions performed at an ATM will not qualify.
  6. Fee refunded 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 eStatement.
  8. You must qualify and opt in for Check Advance or establish overdraft protection from a line of credit in order to use the Early Paycheck service.
  9. This service extends eStatement archival from 15 months to 5 years. Fee waived for Relationship Checking and No Surprises Checking accounts.
  10. 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.
  11. Low Balance Fee is charged to any membership savings account with less than a $100 balance. Fee may be waived if you also have Freedom Banking, Debit Card Banking, certificates or loans with us. Fee will be deducted from your checking or savings account at our option.
  12. 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.
  13. 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.
  14. Fee waived if member completes five debit card transactions each month and maintains online banking and eStatement.

Fee Explanations and Transaction Descriptions