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Consumer Fees

Effective June 1, 2024

Accounts

Relationship Checking Account
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 waived if member maintains an average daily balance of at least $1,000

per month $6.00

Freedom Banking Account
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

High Yield Checking Account
Fee waived if member maintains a daily balance of at least $1,500, has at least $1,000 in direct deposit per month, and has 10 or more debit card purchase transactions per month. Transactions performed at an ATM will not qualify. Member must also be enrolled in Online Banking.

per month $20.00

Relationship Savings Account
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 waived if member maintains an average daily balance of at least $50.

per month $5.00

Money Market Account
Fee waived if member maintains an average daily balance of at least $1,000.

per month $5.00

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

per month $10.00

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

per month $30.00

High Five Savings Account
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-member

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
Fee waived Nov 1 - Dec 31

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/Debit 3
      • 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

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 Boxes

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.

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
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.