Effective: January 1, 2013
|
|
Business New Account Set-Up
Fee |
$
15.00 |
Business Savings Account Monthly Service Charge
Affects members age 18 or older whose total funds on deposit (cumulative)
on the last day of the month are under $50.00 and have no loan (Credit Cards excluded). |
$
5.00 |
Total Business Checking Monthly Service Charge
- waived if average monthly balance is at least $1500
|
$
10.00 |
Total Business Checking Per Item Fee
- First 100 Items FREE |
$
0.25 |
Basic Business Checking Monthly Service Charge
- waived if average monthly balance is at least $1500 |
$
5.00 |
Basic Business Checking Per Item Fee
- First 125 Items FREE |
$
0.20 |
Business Account Update |
$
20.00 |
Currency Deposited Fee
- charged for every $100 over $5,000 |
$
0.20 |
Rolled Coins - per roll |
$
0.10 |
Special Currency Orders - over $5,000 |
$
50.00 |
Overdraft
Privilege (item paid) This fee will be imposed for overdrafts created by checks, ACH debits, ATM withdrawals, debit card purchases and in person withdrawals. Overdrafts must be paid within 30 days.
|
$
25.00 |
ACH Credit Manual Post (each) |
$
10.00 |
ATMs withdrawals at ATMs other than McCoy, CU Here & Publix (each) |
$
2.00 |
Bad Address (fee charged monthly on savings acct) |
$
5.00 |
Coin Processing |
3% |
Returned Item (drawn on a 3rd party’s account) |
$
15.00 |
Returned Item (drawn on member’s account at another financial institution) |
$
30.00 |
Dormant Account (fee charged to savings monthly if no activity for 1 year) |
$
5.00 |
Early Account Closure (charged if account is closed within 90 days of opening) |
$
10.00 |
Foreign Check Collection (each) |
$
35.00 |
IRA Transfers to another institution (each) |
$
30.00 |
IRS Levy (each) |
$
50.00 |
| MyMcCoy & Bill Payer |
FREE |
| Bill Payer - Popmoney (person to person) |
$
0.50 |
| Bill Payer - Account to Account (outgoing) |
$
2.00 |
| Bill Payer - Account to Account (incoming) |
FREE |
| Bill Payer - Overnight Checks (physical check guaranteed delivery) |
$
14.95 |
| Bill Payer - Same Day Bill Pay (ACH) |
$
9.95 |
Money Orders (each) |
$
1.00 |
Exchange a Member’s Check for a Cashier’s Check at Request of Payee |
$
10.00 |
Items Returned for Non-Sufficient or Uncollected Funds (each) |
$
30.00 |
Official Checks (each) |
$
1.00 |
Overdraft Protection - Automatic transfer from savings or line of credit (each) |
$
5.00 |
Vehicle Paper Title Rush |
$
25.00 |
Request to Mail Official Check (each) |
$
2.00 |
Research Check Book Balancing (per hour, 1 hour minimum) |
$
15.00 |
Statement Copies, Check Copies, Account History Printout (each) |
$
2.00 |
Statements Mailed to MyMcCoy Users (FREE online) |
$
2.00 |
Stop Payment (FREE if placed via MyMcCoy or Toni the Teller) |
$
25.00 |
Stop Payment Removal |
$
10.00 |
Verification of Account Letter or Verification of Deposit Form |
$
15.00 |
Western Union (within the USA & International) |
$
20.00 |
Wire Transfer Outgoing (Outside USA) |
$
40.00 |
Wire Transfer Outgoing (Within USA) |
$
25.00 |
Wire Transfer Incoming |
$
15.00 |
Collection Agency Reporting |
$
20.00 |
BUSINESS CREDIT CARD / DEBIT CARD |
|
Replace Credit Card or Debit Card |
$
10.00 |
Rush Order on Replacement Credit Card or Debit Card |
$
25.00 |
Credit Card Late Payment Fee
Maximum of $25 but not more than the minimum monthly payment |
Up to $25 |
Returned Check on Credit Card Payment
Maximum of $25 but not more than the minimum monthly payment |
Up to $25 |
Copy of Credit Card Statement, Sales Slip or Other Item (each) |
$
5.00 |
Credit Card Cash Advance (minimum of $10) |
3% |
BUSINESS LENDING |
|
Mortgage Lein Satisfaction |
Disclosed
at time of application |
Auto Refinance |
Consumer Loan Application |
Mortgage Application |
Skip-a-Pay (Offered TWICE a Year) |
Late Payment on Loan
(minimum of $15 - maximum $25) |
Loan Extension
(Effective February 1, 2011) |
Subordination |
Electronic Payment Fee
(Make loan payment from another finanical institution, or by credit/debit card, each payment) |
2.5% |
SAFE DEPOSIT FEES |
|
Safe Deposit Box Key Deposit |
$
10.00 |
Safe Deposit Box Drilling Fee |
$
175.00 |
Safe Deposit Box Annual Rental Fee
3"
X 5" |
$
36.00 |
Safe Deposit Box Annual Rental Fee
3"
X 10" |
$
48.00 |
Safe Deposit Box Annual Rental Fee
5"
X 10" |
$
60.00 |
Safe Deposit Box Annual Rental Fee
10"
X 10" |
$
96.00 |
CREDIT UNION SHARES |
A
minimum balance of $5.00 is required at all times in the primary
savings (share) account. The first $5.00 in shares cannot be
used for overdraft protection or automatic loan payment transfers
or ATM withdrawals. |
CHECK ORDERS |
The
charge for your initial order of checks and all subsequent reorders
will be deducted automatically from the checking (share draft)
account. The deduction will appear on your monthly statement. |
ATM DEPOSITS |
Funds deposited into an ATM will be placed on hold for two (2) Business days not counting the day of deposit. The following amounts will be made available to you immediately:
• $500 for consumer & business accounts
• $100 for Fresh Start Checking accounts |
NON-MEMBER SURCHARGE ON ATM WITHDRAWS |
Withdrawals from a McCoy ATM using a card issued by another financial institution will be subject to a $2.00 surcharge in addition to any fees charged by the financial institution who issued the card. |
