This schedule of fees for all accounts sets forth 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 charges 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 US Dollars) | $30.00 |
General Fees (Continued)
| Return Deposited Item | $20.00 |
| Notary4 (Free with active checking) | $15.00 per signature |
| Non-Sufficient Funds (NSF) Fee5 | $25.00 |
| Courtesy Pay Fee5 | $25.00 |
| 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 | $300.00 |
| Loan Extension Agreement Application | $50.00 |
| Real Estate Loan Rate Modification | $1,000.00 |
| Car Fax Report6 | $15.00 |
Regular Share Account
| Regular Share Account Inactivity Fee (After 12 months of inactivity in member’s account and an aggregate balance of less than $100.00) |
$5.00 |
Dividend Checking Accounts
| Minimum Balance Fee for Dividend Bearing Account Only (If monthly average daily balance is below $300.00) |
$3.00 |
Carefree Checking Account
| Paper statement Fee (No fee if enrolled in eStatements) |
$2.00 |
Yield Plus Checking Accounts
| Minimum Balance Fee (No fee if average daily balance is $100.00 or more) |
$7.00 |
ATM Card and VISA® Debit Card
| ATM Adjustment Fee | $6.00 |
| Replacement of Lost or Stolen ATM/Debit Card |
$5.00 |
| Rush ATM/Debit Card or PIN7 | $50.00 per item |
| VISA® International Multiple-Currency Transaction8 | 1.00% of each transaction in US dollars |
| VISA® International Single-Currency Transaction9 | 1.00% of each transaction in US dollars |
VISA® Credit Card
| Rush VISA® Card7 | $25.00 |
| Cash Advance | 2.00% of the amount of each cash advance |
| Late Fee | $10.00 |
| VISA® International Multiple-Currency Transaction8 | 1.00% of each transaction in US dollars |
| VISA® International Single-Currency Transaction9 | 1.00% of each transaction in US dollars |
Santa Clara Checking Accounts
| Maintenance fee | $6.00 |
BaZing Checking Accounts
| Maintenance fee | $6.00 |
1One free per day
2 Failure to notify of address change
3Check held for collection
4Fee waived with an active Checking Account
5For 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
6Fee is waived if vehicle is financed with the credit union
7For 2-day rush delivery
8Transactions made in foreign currency
9 Transactions made in foreign currency, billed in US dollars
2 Failure to notify of address change
3Check held for collection
4Fee waived with an active Checking Account
5For 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
6Fee is waived if vehicle is financed with the credit union
7For 2-day rush delivery
8Transactions made in foreign currency
9 Transactions made in foreign currency, billed in US dollars
