Fee Rates

Fee Rates

And some stuff that's fee free, of course.

Free Services:

  • Online Banking
  • Bill Payer
  • Mobile Banking
  • Notary Public
  • Official Checks (1/day)
  • IRA Transfer
  • Direct Deposit/ACH/Payroll Deduction
  • Telephone Transfers/Inquiries
  • Counter Checks
  • Instant Issue Meritrust VISA® Debit and Credit Cards with Security Photo
  • Signature Guarantee/Medallion

All Fees Are Subject To Change Without Notice.

 

Safe Deposit Boxes

Size and Cost Per Year

  • 3x5 - $25
  • 5x5 - $30
  • 3x10 - $35
  • 5x10 - $50
  • 10x10 - $90
 

Service Charges

  • Early Account Closing (within first 6 months) - $10
  • Overdraft/NSF (per item) - $32
  • Stop Payment - $32
  • Debit Card Replacement (lost or reissue card without advancing expiration date) - $10
  • Overdraft Protection Transfer - $10
  • Indirect Membership Fee - $10
  • Returned Personal Loan Payment - $30
  • Foreign ATM Transaction (cash withdrawal, balance transfer and balance inquiry) - $1.50
  • Green Checking Account Check Clearing Fee - $1
  • Club Account Early Withdrawal Fee–$10 or 3% of Amount Withdrawn, Whichever is Greater
  • Returned Check
    • Meritrust Account - $5
    • Non-Meritrust Account - $32
  • Official Checks (one/day free) - $3
  • History Printout (per month) - $5
  • Account Research (one hour minimum) - $35/hour
  • Rejected Debit/Credit Chargeback - $15 each
  • Inactive Account (per month after six months of no transactional activity) - $10
  • Garnishments/Tax Levies - $15
  • Collection Items - Actual Expense
  • Check Cashing (members)* - $3
  • Check Copy Look-Up - $2
  • Share Certificate - Early Redemption
    • Original Maturity Less Than One Year - 90 Days Interest
    • Original Maturity One Year or Greater - 180 Days Interest
  • Bad Address - $10
  • Smart Checking - $10/month
  • Electronic Payment Processing - $15
  • Online Loan Payment - $10
  • Oil and Gas Draft Processing - Actual Cost or $10, whichever is greater
  • Foreign Item Processing - Actual Cost or $10, whichever is greater
  • Expedited Electronic Transfer - next day ACH for electronic payees - $9.95
  • Overnight Check - $29.95
  • Advantage Money Market Low Balance Fee (if average daily balance per month is below $2500) - $10.00
  • Elite Money Market Low Balance Fee (if average daily balance per month is below $2500) - $5.00
  • Vehicle Title Maintenance: Duplicate titles, state change, name change, and additional lien release requests are processed through MyTitleSupport for a fee. Visit the MyTitleSupport website for a fee list.

*Free to members with aggregate deposits greater than $100 or current loan.

 

Non-Member Service Charges

  • Check Cashing (Non-Members, On-Us)
    • $100 to $299.99 - $3
    • $300 or More - $6
  • Exchange Check - $15
  • Coin Counting - 15% of total
 

VISA® Fees

  • Cash Advance - 3% of Advanced Amount ($8 Minimum/$35 Maximum)
  • Balance Transfer - $0
  • Late Payment** - $27
  • Over Credit Limit*** - $27
  • Returned Loan Payment - $27
  • Annual - $0
  • Minimum Finance Charge - $0

**If payment is less than $27, then the late payment fee will not exceed the amount of the payment.
***If payment is less than $27, then the over credit limit fee will not exceed the amount of the payment.

 

Wire Transfer Service Charge

  • Incoming Domestic - $15
  • Incoming International - $20
  • Outgoing Domestic - $25
  • Outgoing International - $45