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Schedule of Fees

See current fees for all of our products and services.

Account & Service Fees

New Member Fee $5.00 Per member Waived for members under age 18 or 65+
Minimum Withdrawal $5.00 From Share Savings
Non-Sufficient Funds (NSF) $31.00 Per item
Courtesy Pay $31.00 Per item cleared
Stop Payment for Unavailable Funds $31.00 Per item
Stop Payment Request $20.00 Per sequence No fee for online stop payment request
Returned item $31.00 Per personal check
Returned item - Third Party $10.00 Per item
Below $50.00 Minimum Balance $10.00 Per month Applies only to Primary Share Savings Account
Paper Statement by Mail $3.00 Per month eStatements - No Charge
Excessive Withdrawal $5.00 Per withdrawal After three withdrawals per month on Share Savings Account
Christmas Club Withdrawal $10.00 Per withdrawal After the first withdrawal
Dormant Account $10.00 Per month After 12 months of inactivity and balance below $200. Members over 18.
Inactive Checking Account $10.00 Per month After six months of inactivity and checking account balance below $500. Members over 18.
Early Account Closure $50.00 Per Account Applies if membership is closed within twelve months of opening
Account re-opening $10.00 plus membership fee Applies if account is re-opened within one year of closing membership
Starter Check (reprint after initial) $4.00 Per page
Check Printing Price varies depending on style
Third Party Payment $3.00 Each Applies after three MTC Federal issued checks within a week
1% Check Cashing Fee Min of $2, max of $20 If no loans or <$200 in total balance. Waive for members under 18 or 65+
Rolled Coin Deposit Min. $1.00, max $0.10/roll Waive for members under 18

Money Market Account Fees

Below Money Market Minimum Balance $10.00 per month Fee applies to any Money Market Account
Money Market Excessive Withdrawal $10.00 Per withdrawal After six withdrawals per month on Money Market Account

Other Account Related Fees

Levy/Garnishment/Legal Process $25.00 Per occurrence
Escheatment Notice $50.00 Per occurrence
Verification of Deposit $10.00 Per request
Returned mail handling $8.00 Per month. For items returned to the credit union as a result of a bad address
Overnight mail Pass through of actual costs
Personal Fax - Domestic $1.00 Per page Within US
Personal Fax - International $5.00 first page, $2 add'l
Personal Copies $0.50 Per page
Research Services $25.00 Per hour
Statement Copy $5.00 Per month
Account History $2.00 Per page (free online) Applies to history printed in-branch
Check Copies $5.00 Per copy (free online)
Copy of other account items $2.00 Per page
Substitute Check Fee $5.00 Per item
Foreign Check Cashing Pass through of actual costs
Account Reconciliation $20.00 Per hour
Check Replacement $10.00 Per item Non-members replacement of a personal check with Certified Check
Domestic Outgoing Wire Fee $10.00 Per transfer
International Outgoing Wire Fee $45.00 Per transfer
Incoming Wire Fee $5.00 Per item received

Safety Deposit Box**

3x5 $20.00 per year
3x10 $30.00 per year

Electronic Banking Transactions

Foreign ATM Transactions $1.00 Per transaction 6 free per month; $1.00 each after 6 (Inquiry, Transfer or Transaction)
Chip Debit Card Replacement Fee $10.00 Per occurrence
PIN Reminder Fee $3.00 Per occurrence
Decoupled Transaction Fee $10.00 Per month For 1 or more transactions per month
Debit Card ISA Fee Pass through of actual costs
Debit Card Express Delivery Pass through of actual costs Per Member request
Bill Pay - Miscellaneous Fees Pass through of actual costs Per Member request

* The fees appearing above are accurate as of March 26, 2024. If you have any questions or require current fee information on your account, please contact your local branch.

** Available at Ardmore, OK 12th Avenue Branch Only.

©2024 MTC Federal Credit Union. Any item or transaction can be presented for payment multiple times, which is beyond the control of the Credit Union. Each presentment will be charged a separate overdraft fee even though it may be for a repeat presentment.