Service Charge Schedule   (effective 4/17/2023; subject to change)

Deposit Account Fees Fee
Withdrawal from regular savings after 3 in month by cash or check $5.00
IRA annual account maintenance or for new accounts added current year with deposit for prior year $10.00
IRA annual account maintenance, Main Street member $0.00
Holiday Savings early withdrawal (January - September) $25.00
Re-establishment of membership within less than a six month period from close date $20.00
Minimum balance monthly fee on regular share accounts if balance falls below $100
and member does not have another active saving or loan under membership number		 $5.00
 
Money Market Account Fees Fee
Monthly balance fee if goes below minimum  $10.00
Excessive check withdrawal after 3 per month $10.00
 
Checking Account Fees Fee
Photo copies of checks presented
(no charge via Online Banking)		 $2.50
Counter checks, per check $0.50
Overdraft Protection from loan $0.00
Overdraft Protection from savings
(limited to 3 per month)		 $5.00
Return items2 $30.00
Courtesy Pay $30.00
Stop payment items $30.00
Returned ACH debits due to held or insufficient funds2 $30.00
Restart ACH Origination
(if insufficient 3 times)		 $25.00
Interest Checking minimum balance fee for balances
that fall below $2,500 at any time during the month		 $10.00
Interest Checking not meeting direct deposit requirement monthly fee $5.00
Benefits Checking monthly fee $5.00
Main Street members receive 1 free box of standard checks
per year and 25% off specialty checks		  
Conversion between checking programs $10.00
Debit Card Overdrawn Fee $30.00
ATM/Debit Card Fees Fee
Transactions at Neighbors CU machines $0.00
Withdrawal made at Non-Neighbors CU machine $2.50
Balance inquiry made at Non-Neighbors CU machine $2.50
Point of sale transaction $0.00
Card replacement due to lost card  $9.95
Check Cashing Fees Fee
If the balance is less than $100 on deposit at the time of the transaction, the charge will be the higher of $3.00 or 1% of the check to be cashed with a maximum charge of $50. $3.00 or 1% with max of $50
Return Item/Collection Fees Fee
Returned item check cashing2 $25.00
Returned item on payments/deposits2 $30.00
Payment on collection items $25.00
Foreign check cashing: U.S. funds on foreign bank,
minimum fee and pass thru charges from foreign institution.		 $15.00
Foreign funds on foreign bank:
minimum fee and other cost that may be levied by foreign institution.1		 $8.00
Bill Pay Fees Fee
Bill pay inactive charge
(if no bills are paid during the month)		 $5.95
Bill pay monthly charge for business checking $0.00
Bill payment photo copies $10.00
Stop payment order $30.00
Return item2 $30.00
Return item that we pay2 $30.00
Service Fees Fee
Cashier check $5.00
Cashier check - Main Street members $0.00
Custodial $5.00
Garnishment/Levy administration $100.00
Online Banking external loan payment by debit card $7.00
Phone (non Telephone Banking) transfers, withdrawals, inquiries $3.00
Expedited Payment By Phone $15.00
Copy of statement(s) from prior periods, per statement period $2.00
Printed account history - mid period statement $2.00
Research/reconciliation, per hour - 1 hour minimum $25.00 per hour
Returned Mail (Monthly) $2.00
   
Wire Fees Fee
Western Union Domestic $30.00
Western Union Domestic, Main Street member $25.00
International Western Union

$0 - $500.00

 $25.00

$500.01 - $1,000.00

 $30.00

$1,000.01 - $2,000.00

 $35.00

$2,000.01 - $5,000.00

 $40.00

$5,000.01 - $10,000.01

 $50.00
Federal Reserve: Outbound $20.00
Federal Reserve: Outbound, Main Street member $0.00
Federal Reserve: Inbound $5.00
Federal Reserve: Inbound, Main Street member $5.00
International: Foreign currency outbound $30.00
International: U.S. currency $35.00
Signature Guarantee Program
(Medallion Stamp Program)		 $0.00
Business Checking Account Fees Fee
Preferred Business Checking minimum balance not maintained $10.00
Premier Business Checking minimum balance not maintained $20.00
Transaction charge (after allotted free Items) $0.20
Overdraft Protection Payment savings transfer $2.00
Stop Payment $30.00
Business Money Market Account Fees Fee
Monthly balance fee if goes below minimum ($2,000 Min) $10.00
Excessive check withdrawal after 3 per month $10.00
Miscellaneous Fees On Business Accounts Fee
Night deposit bags (one time use) $0.30
Night deposit bags (lock/reusable) $30.00
Coin request (per roll) $0.10
Currency straps (per strap) $0.50
Currency deposits (first 1,000 bills free per month) $0.01 per bill
Online banking ACH origination $35.00 monthly
Non-Member Fees Fee
ATM surcharge $3.50
Cashing of member's check drawn on the credit union $0.00
Cashing Postal money order higher of $5 or 1.5% of the check to be cashed
Cashing Postal paycheck higher of $5 or 1.5% of the check to be cashed
Notary fee $1.00
Coin counter surcharge 20% of total amount

1 Due to clearing time frame, credit will not be granted to member until good funds are received from foreign institution

2 We may charge a Return Item fee each time an item is submitted or resubmitted for payment; therefore, you may be assessed more than one fee as a result of a returned item and the resubmission(s) of the returned item.