Consumer Service Fee Schedule

Transparent Pricing for Our Members

At MY CREDIT UNION, we prioritize transparency and convenience for our members. Our Consumer Service Fee Schedule clearly outlines the costs associated with our banking products and services.

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Effective Date: June 15, 2024

Credit Union Membership Details
Membership Share $5 par value
Closing Account (within 90 days of account opening) $25
Personal Checking Account Fees Details
Overdraft* $14 per item
Insufficient Funds Charge $14 per item
Check Stop Payment $30 per request
Starter Checks $1 per sheet
Check Copy $5 per copy
ACH Stop Payment $30 per occurrence
ACH Same Day Transfer $25 per transfer
Check Printing Call for pricing. Varies by style.
Return Cleared Checks with Monthly Statement (Service not available to new accounts) $10 per month

* This fee will appear on account statements as "Insufficient Funds Charge (Paid)." The categories of transactions for which an Overdraft Fee/ISF Charge may be imposed are those by the following means: Share Draft, in-person withdrawal, ATM withdrawal, or other electronic withdrawals including debit cards.

Other Service Fees (Applicable to All Accounts) Details
Notary Public $5 for non Member. Member No charge.
MY CREDIT UNION or Medallion Signature Guarantee Member Only, No Charge
Check Cashing Fee for Non-Members $5 per check
Member Check Cashing Fee* $5 per transaction
Photocopy $.25 per page
Statement Copy $5 per Statement
Current Transaction Printout $1 per copy
IRA Account Service Fee** $15 Annually
Account Reconciliation $30 per hour
Account Research $30 per hour
Deposited Return Check $4 per item
Items Sent for Collection $15 per item
Legal Process (Levy, Garnishment, or Summons) $100 per item
Line of Credit Advance Fee (If System advances fee) $2 per advance
Dormant Fee (Membership - non-active account relationship 12 months or longer, over 21. Account balances +$250 no Dormant Fee.) $10 per month
IRA Transfer Fee (Only if closing and funds are going to another Financial Institution) $25 per transfer
Copy of Lien Release $10 per request
Returned Mail $10 per occurrence

*Member Check Cashing Fee: For members 21 & over, nonactive checking account, and if combined balance is less than $250.00.
**IRA Account Service Fee: If combined IRA balances are less than $100.00. Fee assessed 12/15 of current year.

VISA Gift Cards Cost
VISA Gift Card - Purchased at the teller counter $3
VISA Gift Card - Purchased online $5.95
Outgoing Wire Transfer Fees Cost
Domestic $25 per transfer
International $100 per transfer
Cashier's Checks & Foreign Processing Cost
Cashier’s Check Fee $5 per check*
Canadian Item Processing $20 per deposit
Foreign Country Item Processing Varies depending on country, please inquire

*Member aggregate balances over $10k free

Monthly Fee None
ATM Withdrawals at My Credit Union Owned Machines None
ATM Withdrawals at Non-MY CREDIT UNION Owned Machines* $1 per transaction
ATM/Debit International Transactions 1% of transaction total
Debit Card Overdraft Fee $14 per item
Debit Card Replacement Fee $10 per card
Rushed Card Fee $30 per card

*There may be an additional surcharge on your transaction from the ATM owner.

3” x 5” * $25
5” x 5” $40
3” x 10” $50
5” x 10” $80
6" x 10" * $90
10” x 10” $120
Late Payment Fee $5 per month
Loss of One Key $15
Loss of Both Keys/Drilling of Box At cost

*Listed box size not available at both locations, speak to a MY CREDIT UNION Member Service Representative for more details.

Safe Deposit Box Hours

Mon/Tues/Thurs/Fri: 9:00 AM - 6:00 PM

Wednesday: 10:00 AM - 6:00 PM

Saturday: 9:00 AM - 12:30 PM

Safe deposit box rentals are available at the 77th Street, Lyndale Avenue, and Inver Grove Heights branch offices only.

Fees and service charges are subject to change. The fees appearing on this Schedule are accurate and effective for deposit accounts as of the Effective Date indicated on this Fee Schedule. If you have questions or require current rate or fee information on your accounts, please call the Credit Union at 612.798.7100 or 800.967.MY CREDIT UNION (7228).