Fee Schedule - All Accounts
| Type of Account | Fees Charged |
|---|---|
| Closed Account (within 6 months of opening) | $25.00 |
| Stop Payment Request (each) | $28.00 |
| Returned Check (third party deposited) | Per Regulation |
| Insufficient/Uncollected Funds | $28.00 |
| Photocopies of Statements (each) (OLB Free)* | $5.00 |
| Account Research/Reconciliation/Copies (per hour - minimum 2 hrs) | $25.00 |
| Wire Transfer (Outgoing Domestic) | $25.00 |
| Wire Transfer (Outgoing Foreign) | $35.00 |
| Fax Withdrawal (each) (OLB Free)* | $3.00 |
| Transfers via Teller (each) (OLB Free)* | $3.00 |
| Levy, Writ or Lien | $50.00 |
| Inactive Account Fee (Inactive for 12 months) | $5.00 |
| Abandoned Property (Inactive 3 years) | $40.00 |
| Incorrect Address Fee (Monthly) | $1.00 |
*OLB – Online Banking
Fee Schedule - Main Share Savings Account
| Accounts | Fees Charged |
|---|---|
| Monthly Account Maintenance Fee (6 mo. grace period for new members) | $5.00 |
| Waived if member: a) maintains any share account other than main share or b) has $200 or more on deposit in main share account or b) has $200 or more on deposit in main share account or c) has any open loan or credit card or d) is under 18 or 65 or older |
|
| Photocopy of Official Check / Share Draft / Money Order | $5.00 |
| Each withdrawal after 2 free per month | $2.00 |
| Overdraft Protection Transfer | $7.00 |
Fee Schedule - MSECU "Convenience" Debit/ATM Card
| Item | Fees Charged |
|---|---|
| New Card - Standard | No Charge |
| New Card - Custom | $10.00 |
| New Card - Photo | $15.00 |
| Lost Card Replacement - Standard | $10.00 |
| Lost Card Replacement - Custom | $10.00 |
| Lost Card Replacement - Photo | $15.00 |
| Cancelled card within 6 months | $15.00 |
| Transactions at MSECU ATM Machines | No Charge |
| Point of Sale Transactions | No Charge |
| Retail Purchase Transactions | No Charge |
| Non-Member ATM Transaction at MSECU ATM | $2.00 |
| ATM Transactions at Non-MSECU Machines: Potential charges for ATM transactions ($1.00) vary depending on type of account maintained. See description of Checking Accounts for detailed information. |
|
Fee Schedule - Checking Accounts
| Item | Fees Charged |
|---|---|
| Basic Checking No minimum balance, no monthly service charge |
|
| Each check written | $0.75 |
| 18/65 Checking Available to members 18 years old and under or 65 years old and over. No per check charge, no minimum balance, no monthly service charge, no charge for basic check order. |
|
| Insufficient/Uncollected Funds | $5.00 |
| Interest Checking No per check fees, competitive interest paid |
|
| Monthly Service Charge (if average monthly balance is less than $1,000) | $10.00 |
| Optional "Convenience" Debit/ATM Card Available | |
| - Transactions at MSECU ATMs | No Charge |
| - Transactions at Non-MSECU ATM's | $1.50 |
| - Point-of-Sale Transactions | No Charge |
| - Retail Purchase Transactions | No Charge |
| Free/Interest Checking Requires direct deposit of "Net Pay." No per check fees, no minimum balance, no monthly service charge, competitive interest paid |
|
| Optional "Convenience" Debit/ATM Card available: | |
| - Transactions at MSECU ATMs | No Charge |
| - First 4 transactions per month at Non-MSECU ATM's | No Charge |
| - Transactions at Non-MSECU ATM's | $1.50 |
| - Point-of-Sale Transactions | No Charge |
| - Retail Purchase Transactions | No Charge |
| Overdraft Advance Option Available with any checking account (if elibible) |
|
| Fee Per Advance | $28.00 |
Fee Schedule - Money Market Accounts
| Item | Fees Charged |
|---|---|
| Monthly Service Charge | |
| Balances $2,000 and over | No Charge |
| Balances under $2,000 | $10.00 |
| Checks Clearing per Month (3 free 3rd party checks, each thereafter) | $10.00 |
| Note: Members receive the first 30 MMA checks free - thereafter, there is a nominal charge for purchase of checks | |
Fee Schedule - IRA Accounts
| Item | Fees Charged |
|---|---|
| Annual Maintenance Fee (Waived if annual contribution is made) | $10.00 |
| Trustee Transfer | $25.00 |
Fee Schedule - Regular & IRA Term Certificates (CD's)
| Item | Fees Charged |
|---|---|
| Close-out prior to maturity date forfeits interest, whether credited to account or not, as follows | |
| CD Term = 12 months or less, member forfeits interest for | 90 days |
| CD Term = Over 12 months, member forfeits interest for | 180 days |
Fee Schedule - Holiday & Vacation "Club" Accounts
| Item | Fees Charged |
|---|---|
| Close-out prior to disbursement date | $25.00 |
| Withdrawal prior to disbursement date | $25.00 |
Fee Schedule - Mortgage Servicing
| Item | Fees Charged |
|---|---|
| Subordination Agreement | $100.00 |
| Mortgage Payoff (written quote) | $20.00 |
Fee Schedule - MasterCard
| Item | Fees Charged |
|---|---|
| Platinum Card | No Annual Fee, Special Rate, Free Travel Insurance See Disclosure Platinum Card availability based on individual qualifications. All fees are disclosed in application and agreement. |
All fees are disclosed in application and agreement
Fee Schedule - Other Services
| Item | Fees Charged |
|---|---|
| Money Order | $3.00 |
| Official Checks | $3.00 |
| Travelers Checks (American Express) | 1% of Purchase |
| Travelers Checks for Two (American Express) | 1.5% of Purchase |
| Gift Checks (each) (American Express) | $2.50 |
| Notary Public Service | No Charge |
| CU*Talk (previously called Quick N'-Easy) 24-Hour Telephone Service | No Charge |
| It's Me 247 Online Banking Service | No Charge |
| Online Bill Payment (CU Easy Pay) | FREE |
| Inactive Bill Payment (less than 3 transactions per month ) | $5.00 |
| E-Statements | FREE |
| Coin Machine - MSECU Members | FREE |
| Coin Machine - Non-MSECU Members | 10% of coin value |
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Massachusetts Share Insurance Corporation
Equal Housing Lender