MIDFLORIDA, Your Community Credit Union.

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Information for You

Fee Schedule

Monthly Service Charge
Relationship Checking Account Fee fee refunded if account criteria are met 1 per month $12.00
Investor Checking Account Fee fee waived if account criteria are met 2 per month $6.00
Freedom Banking Account Fee fee refunded if account criteria are met 3 per month $4.00
Relationship Savings Account Fee fee refunded if account criteria are met 4 per month $12.00
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 Cashing Fee Check Cashing Services are limited to holders of savings accounts. fee may be waived if savings account criteria are met5 per check $4.00
or 2% of check amount, whichever is greater
Check Copy Fee per item $2.00
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
Checkbook Reconcilement Fee per request $4.00
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
Courtesy Transfer Fee
Savings and Checking per transfer $2.50
Loans per transfer $10.00
Early Paycheck (ACH of $100 or more) per item $1.00
eStatement per month FREE
Fax Machine Usage Fee per request $2.00
Foreign ATM Transaction Inquiry, Loan Advance, Transfer, Withdrawal per item $2.00
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
Fund Transfer by Phone charged if calling a branch or Help Desk
fee waived for Relationship Checking
per transaction $5.00
Garnishment Fee per incident $100.00
Holiday Club Early Withdrawal Fee per transaction $5.00
Inactive Fee no activity on account for 12 months per month $5.00
Insufficient Funds (NSF) Fee6
        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
            ATM/Debit7
                First overdraft/mo.
                Second+ overdrafts/mo.



per item


per item

per item
per item



$30.00


$30.00

$10.00
$30.00
Levy Fee per incident $100.00
Loan Payment on Foreign Debit/Credit Card per transaction $5.00
or 3% of payment, whichever is greater
Low Balance Fee 8 per month $5.00
Membership Cancellation Fee charged if account closed within first six months $5.00
Money Order per item $3.00
Mortgage Verification Fee per item $20.00
Negative Balance Fee charged the sixth day the account is negative per day $5.00
Notary Fee - Non-members per visit $5.00
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
Paper Statement Fee 9 waived for members 22 & under and 65 & over per month $2.00
Phone Inquiry Fee charged if calling a branch or Help Desk
fee waived for Relationship Checking
per call $1.00
Photo Credit Card Fee per item $5.99
Photo Debit Card Fee per item $5.99
Photo of ATM Transaction per photo $60.00
Photocopy Fee per page $0.25
Plastic Card Replacement Fee per item $5.00
Portal Debit Card Fee (excluding business accounts) per month $5.00
Proprietary ATM Transaction - MIDFLORIDA per item FREE
Purchase Currency/Rolled Coin per $100 $2.00
Return of Deposit Item per item $15.00
Return Mail Fee per item $5.00
Statement Copy/Account History fee for a prior statement copy or
a printout of recent transaction history
per copy $1.00
Safe Deposit Boxes 10
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
Stop Payment Order per item $25.00
Temporary Checks (4) per set $5.00
Wire Transfer Fee – Domestic
        per wire
outgoing
incoming
$20.00
$10.00
Wire Transfer Fee – Foreign
        per wire
outgoing
incoming
$30.00
$10.00
Monthly Service Charge for Retired Accounts
Senior Checking Account Fee fee refunded if account criteria are met 11 per month $6.00
Green Checking Account Fee fee waived if account criteria are met 12 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. 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.
2. Fee waived if member maintains a minimum daily balance of $1,000.
3. Fee refunded with 20 or more debit card purchase transactions per month. Transactions performed at an ATM will not qualify.
4. Fee refunded if member maintains a daily balance of $10,000 in cumulative deposits. Fee will be deducted from your checking or savings account at our option.
5. Fee may be waived if you have loans with us, have a Youth Savings account, RT4T Checking account, eVolve Checking account, Relationship Savings account, Relationship Checking account or a Debit Card Banking account (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.
6. As a courtesy, MIDFLORIDA will rebate overdraft fees for occurrences exceeding 5 in any one day.
7. If you have Check Advance and the item/transaction is $5 or less, you will not be charged an Overdraft Fee.
8. Low Balance Fee is charged to any membership savings account with less than a $100 balance. Fee may be waived if you are also the primary member of a Freedom Banking, Debit Card Banking, RT4T Checking account, eVolve Checking account, certificate, loan or a secondary savings account with us. Fee will be deducted from your checking or savings account at our option.
9. The Paper Statement Fee can be avoided by signing up and accepting eStatement.
10. 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.
11. Fee refunded if member maintains a $5,000 balance in Senior Savings or a $1,000 balance in Senior Checking every day of the month.
12. Fee waived if member completes five debit card transactions each month and maintains online banking and eStatement.

revised 09/2017

Fee Explanations and Transaction Descriptions

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