Schedule of Fees

This Schedule of Fees for all Accounts sets fourth certain conditions, fees and charges applicable to your Share, Share Draft, ATM Card, Visa Debit Card, Visa Credit Card and Loan accounts at Mission City Federal Credit Union. This schedule is incorporated as part of your account agreement with Mission City Federal Credit Union. The Credit Union reserves the right to revise these fees or impose additional charges at any time. Should such changes occur, affected members will be notified. All fees and changes associated with the Credit Union’s credit card and lending are disclosed in full at the time of application.

General Fees

Account Research Fee $ 20.00 per hour
Outgoing Domestic Wire Transfer Fee $ 15.00
Outgoing International Wire Transfer Fee $ 30.00
Stop Payment Order (Per item or range) $ 10.00
Stop Payment Order (Corporate check) $ 10.00
Stop Payment Order (ACH debit) $ 10.00
Money Order Purchase $ 1.25 per item
Cashier’s Check $ 5.00 per item
Corporate Checks1 (one free per day) $ 5.00 per item
Statement Photocopy $ 2.00 per page
Return Mail Fee2 $ 10.00 per envelope
Escheat Account Reporting Fee $ 2.00
Subpoena/Legal Research $ 10.00 per hour
Tax Levy $ 15.00 per levy
Foreign Item3 (Not in U.S. Dollars) $ 30.00
Foreign Item4 (Canadian/U.S. Dollars) $ 2.00
Foreign Item5 (Other/U.S. Dollars) $ 30.00
Return Deposited Item $ 20.00
Rolled Coin6 (Other/U.S. Dollars) $ 0.10 per roll
Notary7 (Free with active checking) $ 10.00 per signature
Non-Sufficient Funds (NSF) Fee8 $ 20.00
Courtesy Pay Fee8 $ 20.00
DMV Title Transfer $ 15.00
DMV Lost Title Request $ 15.00
Demand Request $ 30.00
Reconveyance $ 45.00
Consumer Loan Rate Modification $ 100.00
2nd Mortgage Subordination $ 100.00
Loan Extension Agreement Application $10.00
Real Estate Loan Rate Modification $ 500.00
IRA Administration Fee $ 10.00 per month
Car Fax Report9 $ 15.00
1 One free per day
2 Failure to notify of address change
3, 4, 5 Check held for collection
6 First ten (10) rolls free
7 Fee waived with an active checking account
8 For share drafts, ACH debits and ATM transactions. Non-Sufficient Funds Fee for ATM transactions will only apply if the Credit Union has member’s affirmative consent (opt-in) on file
9 Fee is waived if vehicle is financed with the Credit Union

Regular Share Account

Minimum Balance Fee $ 10.00 per quarter
(If monthly balance is below $10)

Share Draft Accounts

Minimum Balance Fee for Dividend Bearing Account Only $ 3.00 per month
(If monthly balance is below $300)

ATM Card and VISA Debit Card

ATM Adjustment Fee $ 6.00
Replacement of Lost or Stolen ATM/Debit Card $ 5.00
ATM Fee Outside of CO-OP Network $ 1.00
Rush ATM/Debit Card or PIN10 $ 50.00 per item
Visa International Multiple-Currency Transaction11 1% of each transaction in U.S. Dollars
Visa International Single-Currency Transaction12 0.8% of each transaction in U.S. dollars

VISA Credit Card

Rush Visa Card13 $ 25.00
Cash Advance 2% of the amount of each cash advance
Late Fee $ 10.00
Visa International Multiple-Currency Transaction14 1% of each transaction in U.S. Dollars
Visa International Single-Currency Transaction15 0.8% of each transaction in U.S. dollars
10, 13 For 2-day rush delivery
11, 14 Transactions made in foreign currency
12, 15 Transactions made in foreign currency, billed in U.S. dollars

 

1391 Franklin Street,
Santa Clara, CA 95050

Phone: (408) 244-5818
Toll Free: (888) 361-1894
Fax: (408) 244-9390
Email: info@missioncityfcu.org

Debit Card Lost/Stolen Hotline: (800) 262-2024

Visa Card Lost/Stolen Hotline: (800) 325-3678

Routing Number: 321177447

NMLS # 490777

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