Fee Schedule

REGULAR SHARE ACCOUNT Basic Value Advantage Deluxe

Minimum balance to maintain an account $5.00 $5.00 $5.00 $5.00

Account closed within 90 days of opening $25.00 $25.00 $25.00 $25.00

Money Market Savings Account Basic Value Advantage Deluxe

Minimum balance to earn dividends $50.00 $50.00 $50.00 $50.00

Money Market Checking Account Basic Value Advantage Deluxe

Minimum balance to earn dividends $10,000.00 $10,000.00 $10,000.00 $10,000.00

Class A Money Market Savings Account Basic Value Advantage Deluxe

Minimum balance to earn dividends $2,500.00 $2,500.00 $2,500.00 $2,500.00

Class A Money Market Savings Account limitations of 6 withdrawals per month apply. On the 7th and 8th withdrawal, a fee of $5.00 per withdrawal applies. On the 9th withdrawal the account will be closed and the funds will be transferred to your share 01 (savings) account. If the account is closed due to exceeding limitations two (2) times, you may not be able to reopen a Class A – Money Market Savings account for 4 months.

CHECKING ACCOUNT FEES Basic Value Advantage Deluxe

Non-sufficient funds charge $25.00 $25.00 $25.00 1 waived per yr

Uncollected funds charge $25.00 $25.00 $25.00 1 waived per yr

Courtesy Pay charge due to NSF/Uncollected funds $25.00 $25.00 $25.00 1 waived per yr

ACH NSF $25.00 $25.00 $25.00 1 waived per yr

Bill Pay NSF Fee $25.00 $25.00 $25.00 1 waived per yr

Returned ATM deposits $35.00 $35.00 $35.00 $35.00

Returned Shared Branch Deposits $35.00 $35.00 $35.00 $35.00

Returned (me to me) checks from other institutions $40.00 $40.00 $40.00 $40.00

Overdraft Transfer Fee $2.00 FREE FREE FREE

Stop Payment Fee $35.00 $35.00 $35.00 $35.00

Stop Payment for range of checks (per book if lost) $35.00 $35.00 $35.00 $35.00

ACH Stop Payment Fee $35.00 $35.00 $35.00 $35.00

Foreign ATM Withdrawal, Balance Inquiry $2.00 $1.50 $1.00 FREE

Foreign ATM is any ATM that is not operated by Presto (Publix), CU24, CUHere, MoneyPass.

Issue of first Debit/Check Card with pin number FREE FREE FREE FREE

Replacement of Debit/Check Card (per card) FREE FREE FREE FREE

Express (3 Days) $75.00 $75.00 $75.00 $75.00

Replacement of PIN number (Debit) FREE FREE FREE FREE

OTHER SERVICES AND FEES Basic Value Advantage Deluxe

Temporary Checks (per page) 2 pages free per quarter, $2.50 thereafter FREE FREE FREE

Shared Draft (check) Orders Cost Cost Cost Cost

Senior (50 and over) Draft (check) orders – Standard checks only FREE FREE FREE FREE

Cashier’s Check Fee $5.00 $3.00 FREE FREE

Cashier’s Check Exchange Fee – charge to dealer $35.00 $35.00 $35.00 $35.00

Suspension of payment on a Cashier’s Checks (Indemnity Bond Required) $35.00 $35.00 $35.00 $35.00

Visa Gift Cards $4.00 $4.00 $4.00 FREE

Dormant Account Fees $5.00 $5.00 $5.00 $5.00

Returned Mail Fee – Per Month $5.00 $5.00 $5.00 $5.00

Regular Mailed Monthly/Quarterly Paper Statements $1.00 $1.00 $1.00 FREE

E-Statements FREE FREE FREE FREE

Statement Copy $5.00 each $5.00 each $5.00 each $5.00 each

Statement Copies (older than 3 calendar years) – Per Hour $30.00 $30.00 $30.00 $30.00

Statement Copy (Certified) $10.00 $10.00 $10.00 $10.00

History of account (Per Page) $1.00 each $1.00 each FREE FREE

Research/Reconciliation Fee (per hour) $30.00 $30.00 $30.00 $30.00

Research/Reconciliation Fee Minimum $15.00 $15.00 $15.00 $15.00

Copies of processed checks $5.00 each $5.00 each 10 Free (current year) then $5 each 10 Free (current year) then $5 each

Copies of other documents (per page) $5.00 $5.00 $5.00 $5.00

Online Banking FREE FREE FREE FREE

Bill Payment FREE FREE FREE FREE

Garnishment/Levy/Tax Lien Processing $150.00 $150.00 $150.00 $150.00

Calls to Member Service Center for Balance Inquiries/Withdrawals/Transfers (Transactions that can be completed using MFFCU’s Home Banking and/or Fireline) $1.00 $1.00 FREE FREE

Rejected ACH (After 3 of same item) $10.00 $10.00 $10.00 $10.00

Delinquent Loan Transfer Fee $5.00 $5.00 $5.00 $5.00

Delinquent Visa Transfer Fee $5.00 $5.00 $5.00 $5.00

SHARED BRANCHING NETWORK Basic Value Advantage Deluxe

Withdrawals $1.50 2 free, $1.50 thereafter 3 free, $1.50 thereafter 4 free, $1.50 thereafter

Deposits $1.50 2 free, $1.50 thereafter 3 free, $1.50 thereafter 4 free, $1.50 thereafter

WIRE TRANSFERS

Domestic Wires (Incoming) $10.00 $10.00 $10.00 $5.00

Domestic Wires (Outgoing) $20.00 $20.00 $20.00 $15.00

International Wires (Incoming/Outgoing) $35.00 $35.00 $35.00 $25.00

TRAVELER’S CHEQUES Basic Value Advantage Deluxe

Traveler’s Cheques Fee – per $100 $1.00 $1.00 Free Free

SAFE DEPOSIT BOX RENTALS Basic Value Advantage Deluxe

3X5 $30.00 $30.00 $30.00 $30.00

5X5 $40.00 $40.00 $40.00 $40.00

3X10 $50.00 $50.00 $50.00 $50.00

5X10 $80.00 $80.00 $80.00 $80.00

10X10 $125.00 $125.00 $125.00 $125.00

Key Deposit $10.00 $10.00 $10.00 $10.00

Lost Keys Drill Box Cost Cost Cost Cost

Lost Key Replacement $20.00 $20.00 $20.00 $20.00

DISCOUNT/BONUS RATES Basic Value Advantage Deluxe

Discount rate from base rate for Consumer Loans (Secured) 0.00% 0.00% -0.15% -0.25%

Bonus rate from base dividend rate for Certificates 0.00% 0.00% +0.15% +0.25%

REGULAR SHARE ACCOUNT	Basic	Value	Advantage	Deluxe
Minimum balance to maintain an account	$5.00	$5.00	$5.00	$5.00
Account closed within 90 days of opening	$25.00	$25.00	$25.00	$25.00
Money Market Savings Account	Basic	Value	Advantage	Deluxe
Minimum balance to earn dividends	$50.00	$50.00	$50.00	$50.00
Money Market Checking Account	Basic	Value	Advantage	Deluxe
Minimum balance to earn dividends	$10,000.00	$10,000.00	$10,000.00	$10,000.00
Class A Money Market Savings Account	Basic	Value	Advantage	Deluxe
Minimum balance to earn dividends	$2,500.00	$2,500.00	$2,500.00	$2,500.00
Class A Money Market Savings Account limitations of 6 withdrawals per month apply. On the 7th and 8th withdrawal, a fee of $5.00 per withdrawal applies. On the 9th withdrawal the account will be closed and the funds will be transferred to your share 01 (savings) account. If the account is closed due to exceeding limitations two (2) times, you may not be able to reopen a Class A – Money Market Savings account for 4 months.
CHECKING ACCOUNT FEES	Basic	Value	Advantage	Deluxe
Non-sufficient funds charge	$25.00	$25.00	$25.00	1 waived per yr
Uncollected funds charge	$25.00	$25.00	$25.00	1 waived per yr
Courtesy Pay charge due to NSF/Uncollected funds	$25.00	$25.00	$25.00	1 waived per yr
ACH NSF	$25.00	$25.00	$25.00	1 waived per yr
Bill Pay NSF Fee	$25.00	$25.00	$25.00	1 waived per yr
Returned ATM deposits	$35.00	$35.00	$35.00	$35.00
Returned Shared Branch Deposits	$35.00	$35.00	$35.00	$35.00
Returned (me to me) checks from other institutions	$40.00	$40.00	$40.00	$40.00
Overdraft Transfer Fee	$2.00	FREE	FREE	FREE
Stop Payment Fee	$35.00	$35.00	$35.00	$35.00
Stop Payment for range of checks (per book if lost)	$35.00	$35.00	$35.00	$35.00
ACH Stop Payment Fee	$35.00	$35.00	$35.00	$35.00
Foreign ATM Withdrawal, Balance Inquiry	$2.00	$1.50	$1.00	FREE
Foreign ATM is any ATM that is not operated by Presto (Publix), CU24, CUHere, MoneyPass.
Issue of first Debit/Check Card with pin number	FREE	FREE	FREE	FREE
Replacement of Debit/Check Card (per card)	FREE	FREE	FREE	FREE
Express (3 Days)	$75.00	$75.00	$75.00	$75.00
Replacement of PIN number (Debit)	FREE	FREE	FREE	FREE
OTHER SERVICES AND FEES	Basic	Value	Advantage	Deluxe
Temporary Checks (per page)	2 pages free per quarter, $2.50 thereafter	FREE	FREE	FREE
Shared Draft (check) Orders	Cost	Cost	Cost	Cost
Senior (50 and over) Draft (check) orders – Standard checks only	FREE	FREE	FREE	FREE
Cashier’s Check Fee	$5.00	$3.00	FREE	FREE
Cashier’s Check Exchange Fee – charge to dealer	$35.00	$35.00	$35.00	$35.00
Suspension of payment on a Cashier’s Checks (Indemnity Bond Required)	$35.00	$35.00	$35.00	$35.00
Visa Gift Cards	$4.00	$4.00	$4.00	FREE
Dormant Account Fees	$5.00	$5.00	$5.00	$5.00
Returned Mail Fee – Per Month	$5.00	$5.00	$5.00	$5.00
Regular Mailed Monthly/Quarterly Paper Statements	$1.00	$1.00	$1.00	FREE
E-Statements	FREE	FREE	FREE	FREE
Statement Copy	$5.00 each	$5.00 each	$5.00 each	$5.00 each
Statement Copies (older than 3 calendar years) – Per Hour	$30.00	$30.00	$30.00	$30.00
Statement Copy (Certified)	$10.00	$10.00	$10.00	$10.00
History of account (Per Page)	$1.00 each	$1.00 each	FREE	FREE
Research/Reconciliation Fee (per hour)	$30.00	$30.00	$30.00	$30.00
Research/Reconciliation Fee Minimum	$15.00	$15.00	$15.00	$15.00
Copies of processed checks	$5.00 each	$5.00 each	10 Free (current year) then $5 each	10 Free (current year) then $5 each
Copies of other documents (per page)	$5.00	$5.00	$5.00	$5.00
Online Banking	FREE	FREE	FREE	FREE
Bill Payment	FREE	FREE	FREE	FREE
Garnishment/Levy/Tax Lien Processing	$150.00	$150.00	$150.00	$150.00
Calls to Member Service Center for Balance Inquiries/Withdrawals/Transfers (Transactions that can be completed using MFFCU’s Home Banking and/or Fireline)	$1.00	$1.00	FREE	FREE
Rejected ACH (After 3 of same item)	$10.00	$10.00	$10.00	$10.00
Delinquent Loan Transfer Fee	$5.00	$5.00	$5.00	$5.00
Delinquent Visa Transfer Fee	$5.00	$5.00	$5.00	$5.00
SHARED BRANCHING NETWORK	Basic	Value	Advantage	Deluxe
Withdrawals	$1.50	2 free, $1.50 thereafter	3 free, $1.50 thereafter	4 free, $1.50 thereafter
Deposits	$1.50	2 free, $1.50 thereafter	3 free, $1.50 thereafter	4 free, $1.50 thereafter
WIRE TRANSFERS
Domestic Wires (Incoming)	$10.00	$10.00	$10.00	$5.00
Domestic Wires (Outgoing)	$20.00	$20.00	$20.00	$15.00
International Wires (Incoming/Outgoing)	$35.00	$35.00	$35.00	$25.00
TRAVELER’S CHEQUES	Basic	Value	Advantage	Deluxe
Traveler’s Cheques Fee – per $100	$1.00	$1.00	Free	Free
SAFE DEPOSIT BOX RENTALS	Basic	Value	Advantage	Deluxe
3X5	$30.00	$30.00	$30.00	$30.00
5X5	$40.00	$40.00	$40.00	$40.00
3X10	$50.00	$50.00	$50.00	$50.00
5X10	$80.00	$80.00	$80.00	$80.00
10X10	$125.00	$125.00	$125.00	$125.00
Key Deposit	$10.00	$10.00	$10.00	$10.00
Lost Keys Drill Box	Cost	Cost	Cost	Cost
Lost Key Replacement	$20.00	$20.00	$20.00	$20.00
DISCOUNT/BONUS RATES	Basic	Value	Advantage	Deluxe
Discount rate from base rate for Consumer Loans (Secured)	0.00%	0.00%	-0.15%	-0.25%
Bonus rate from base dividend rate for Certificates	0.00%	0.00%	+0.15%	+0.25%

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