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Consumer Fee Schedule

Account maintenance and other fees

We want to make sure you understand how your account works and what the fees are for the services we offer. Below is a breakdown of the fees that apply to consumer accounts.

Accounts

Relationship Checking Account Fee
Fee waived if member maintains an average daily balance of at least $1,500 or at least $10,000 in cumulative deposits and/or loans. Fee waived for members 65 years or over.

per month $12.00
Investor Checking Account Fee
Fee waived if member maintains an average daily balance of at least $1,000.
per month $6.00
Freedom Banking Account Fee
Fee waived with 20 or more posted debit card purchase transactions per month. Transactions performed at an ATM will not qualify.
per month $4.00
Relationship Savings Account Fee
Fee waived if member maintains a combined average daily balance of at least $10,000 in deposit products. Fee will be deducted from your checking or savings account at our option.
per month $12.00
Regular Savings Account Fee
Fee waived if member maintains an average daily balance of at least $50.
per month $5.00
Money Market Account Fee
Fee waived if member maintains an  average daily balance of at least $1,000.
per month $5.00

Extreme Yield Account Fee
Fee waived if member maintains an average daily balance of at least $10,000.

per month $10.00
High-Yield Savings Account Fee
Fee waived if member maintains an average daily balance of at least $25,000.
per month $30.00

High-Five Savings Account Fee
Fee waived if member maintains an average daily balance of at least $100.

per month

$10.00

Card Services

Cash Advance on Foreign Credit Cards per transaction $5.00
Foreign ATM Transaction
Inquiry, Loan Advance, Transfer, Withdrawal
per item $2.00
Loan Payment on Foreign Debit/Credit Card per transaction $5.00 or 3% of payment, whichever
is greater
Portal Debit Card Fee
Excluding business accounts
per month $5.00
Debit or Credit Card Rush Fee per item $30.00

Deposit Services

Cashier's Check to Third Party - Member Fee per check $5.00
Check Images on Statement per statement $3.00
Coin Exchange Fee (coin counter and rolled coin)
- Non-members

per day

5% of amount

Courtesy Transfer Fee
- Savings and Checking
Fee waived for Relationship Checking
- Loan and Credit Card

per transfer

per transfer

$3.00

 

$10.00

Foreign Check Collection Fee per item $35.00
Fund Transfer by Phone
Charged for phone-initiated transfers
Fee waived for Relationship Checking
per transaction $5.00
Holiday Club Early Withdrawal Fee per transaction $5.00
Inactive Fee
No activity for 12 months
per month $5.00

Insufficient Funds (NSF) Fee1
- Returned Fee - Checks2 and ACH
   MIDFLORIDA returned the item for 
   which there were insufficient funds

- Paid (Overdraft) Fee
   MIDFLORIDA paid the item for which
   there were insufficient funds

  - Checks and ACH
  - ATM/Debit3
    - First overdraft/mo.
    - Second+ overdrafts/mo.


per item

 

 

per item

per item
per item


$30.00

 

 

$30.00

$10.00
$30.00

Loan ACH Payment by Phone Fee per transaction $8.00
Negative Balance Fee
Charged the sixth day the account is negative more than $30
per day $5.00
Paper Statement Fee
Fee waived for members 22 & under and 65 & over
Fee can be avoided by signing up and accepting eStatement
per month $3.00
Purchase Currency/Rolled Coin per $1,000 $1.00
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 $3.00
Stop Payment Order per item $30.00
Temporary Checks (4) per set $5.00

Online Services

Online Banking   FREE
Bill Payment
Fee for Basic Checking, Freedom Banking and Debit Card banking (available at age 18) but waived for members 50 & over
per month $4.95
Bill Pay Rush Services
- Expedited (ACH)
- Overnight (Check)
 
per item
per item

$5.00
$20.00
eStatement per month Free

Safe Deposit Boxes4

3x5
5x5
3x10
5x10
10x10

per year
per year
per year
per year
per year

$35.00
$40.00
$50.00
$65.00
$100.00

Drilling per incident $128.00
Key Deposit per box $5.00
Key Replacement per incident $32.00

Wire Transfers

Domestic - incoming per wire $10.00
Domestic - outgoing per wire $20.00
Foreign - incoming per wire $10.00
Foreign - outgoing per wire $45.00

Miscellaneous

Legal Processing Fee per incident $100.00
Money Order per item $5.00

 

Revised 03/01/2023

Notices & Disclosures
1
As a courtesy, MIDFLORIDA will rebate overdraft fees for occurrences exceeding 5 in any one day.
2
If a paper check is returned for Insufficient Funds, MIDFLORIDA will refund the Returned Fee.
3
If you have Check Advance and the item/transaction is $5 or less, you will not be charged an Overdraft Fee.
4
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.