Fees Affecting All Accounts:
ACH Return |
$25 per item
|
Check Return |
$25 per item |
| Return Deposit |
$25 per item |
Account Closing Within 60 Days |
$25 per account
|
Statement Copy |
$5 per copy |
| Checking Account Fees: |
ATM-Empty Envelope |
|
Overdrafts - Paid or Returned |
$25 per item |
Courtesy Pay for ACH & Checks |
$25 per item |
Stop Payment - One Check |
$25 per check |
Stop Payment - Two or
More Checks |
$35 per occurrence |
Transfer from Savings to Cover NSF |
$3 per occurrence |
Account Closed for Abuse |
$50 per account
|
Check Copy |
$5 per copy |
Business Accounts |
$15 per month
|
|
Debit Card Fees: |
Debit Card Annual Charge |
$10 per occurrence |
Replacement of Damaged Card |
$10 per occurrence |
Replacement of Lost or Stolen Card |
$20 per occurrence
|
Over 8 ATM Withdrawals |
$1 per occurrence |
Pin Reminder/Change Fee |
$5 per occurrence |
|
Miscellaneous
Fees (Non-Truth in Savings): |
Mail Returned Undeliverable |
$5 per occurrence |
Account Reconciliation |
$35 per hour
|
Shared Branching Fee
(over 10 per month) |
$3 per withdrawal
|
Wire Transfer (incoming) |
$10 per transfer |
Wire Transfer (outgoing) |
$20 per transfer |
KWIK Cash Advance Under $100 |
$5 per occurrence |
Inactive Bill Payer
(60 consecutive days of inactivity) |
$5 per month |
Judgment Fee |
$50 per occurrence |
Check by Phone |
$50 per item |
Dormant Account |
$5 per month |
- THESE RATES ARE SUBJECT TO CHANGE AT ANY TIME.
- THERE WILL BE NO PER CHECK CHARGE ON THE NUMBER OF CHECKS
WRITTEN PER MONTH.
- MEMBERS FIRST CREDIT UNION CAN AT ANY TIME TRANSFER AVAILABLE
FUNDS FROM SHARE ACCOUNTS, OR KWIK CASH LOANS TO COVER OVERDRAFTS.
____________________________________________________________________
Debit
Cards
Your MasterCard debit card gives you access to your checking account, as well as your savings account! You can withdraw funds from an ATM out of savings or checking using your debit card. Instead of writing checks you can swipe your debit card to purchase goods or services and the funds are automatically deducted out of your checking account! Call us TODAY for more information or to order your debit card.
Overdraft Protection
Once you are approved for a checking account and remain in good standing, you will be eligible for overdraft protection up to a certain limit. This means we will clear transactions when your account is short on funds. Overdraft protection gives you extra flexibility when using your Members First Credit Union checking account. Designed to save you time and trouble, Overdraft Protection gives you a little extra flexibility when using your Members First Credit Union checking account.
PRISM
Since we have implemented the live debit card system, we also have a fraud system to monitor your debit card when you can’t! PRISM (Proactive Fraud Risk Management) is a computer system that learns how you spend, what fraud looks like, and evaluates each transaction that you perform to detect any possible fraudulent activity. The transactions are analyzed 24 hours per day, 7 days per week, 365 days per year to keep you safe from fraud.
Once PRISM flags a transaction as suspicious, our Card Fraud Detection Department will attempt to contact you to verify the transaction. We will never ask you for your debit card number. If you declare the transaction is fraudulent, the debit card will immediately be blocked. If you are unable to be reached and the transactions scores highly on our fraud scale, a block will be placed on the card to avoid any further fraudulent activity. If you have any questions about PRISM, please contact the credit union.
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