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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 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.

per month $12.00
Investor Checking Account Fee
Fee waived if member maintains a minimum daily balance of $1,000.
per month $6.00
Freedom Banking Account Fee
Fee refunded 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 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.
per month $12.00
Extreme Yield Account Fee
Fee waived if member maintains a minimum daily balance of $10,000.
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
Photo Credit Card Fee per item $5.99
Photo Debit Card Fee per item $5.99
Photo of ATM Transaction per photo $60.00
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

Deposit Services

Account Research per hour $10.00,
one hour minimum
Address Locator Fee per incident $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 met.1
per check $4.00 or 2% of check amount, whichever
is greater
Check Copy Fee per item $2.00
Check Replacement Fee
Non-member fee for cashier's check
per check $5.00
Checkbook Reconcilement Fee per request $4.00
Coin Exchange Fee (coin counter and rolled coin)
- Youth Savings
- Members


- Non-members


per day
per day


per day

 



Free
5% of amount over $200
5% of amount
Courtesy Transfer Fee
- Savings and Checking
   Fee waived for Relationship Checking
- Loans

per transfer
per transfer

$2.50

$10.00
Early Paycheck (ACH of $100 or more) per item $1.00
Escheatment Fee per account $5.00
Foreign Check Collection Fee
- Checks under $1,000 U.S. Dollars
- Checks over $1,000 U.S. Dollars

per item
per item

$5.00
$10.00
Fund Transfer by Phone
Charged if calling a branch or Help Desk
Fee waived for Relationship Checking
per transaction $5.00
Holiday Club Early Withdrawal Fee per transaction $5.00
Inactive Fee
No activity on a savings account with less than $100 for 12 months
per month $5.00

Insufficient Funds (NSF) Fee2
- Returned Fee - Checks 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 Payment by Phone Fee per transaction $8.00
Low Balance Fee4 per month $5.00
Membership Cancellation Fee
Charged if account closed within first six months
  $5.00
Negative Balance Fee
Charged the sixth day the account is negative $30 or more
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 $2.00
Phone Inquiry Fee
Charged if calling a branch or Help Desk
Fee waived for Relationship Checking
per call $1.00
Purchase Currency/Rolled Coin per $100 $2.00
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
Stop Payment Order per item $25.00
Temporary Checks (4) per set $5.00

Online Services

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 Boxes5

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

Fax Machine Usage Fee per request $2.00
Garnishment Fee per incident $100.00
Levy Fee per incident $100.00
Money Order per item $3.00
Mortgage Verification Fee per item $20.00
Notary Fee - Non-members per visit $5.00
Photocopy Fee per page $0.25

Retired - Accounts

Senior Checking Account Fee
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.
per month $6.00
Green Checking Account Fee
Fee waived if member completes at least five debit card transactions each month and maintains online banking and eStatement.
per month $5.00
Basic Checking Account Fee per month $8.95
No Surprises Checking Account Fee per month $4.95

Revised 3/15/2019

Notices & Disclosures
1
Fee may be waived if you have loans with us, have a Youth Savings account, Absolutely Free Student Checking account, eVolve Checking account, Relationship Savings or Checking account, 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.
2
As a courtesy, MIDFLORIDA will rebate overdraft fees for occurrences exceeding 5 in any one day.
3
If you have Check Advance and the item/transaction is $5 or less, you will not be charged an Overdraft Fee.
4
Low Balance Fee is charged to any membership savings account with less than a $100 minimum daily balance. Fee may be waived if you are also the primary member of a Freedom Banking, Debit Card Banking, Relationship Checking, Absolutely Free Student Checking account, eVolve Checking account, an active credit card, certificate, loan or a secondary savings account with us. Fee will be deducted from your checking or savings account at our option.
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.