Fees
At Members First Credit Union, we feel that it is important to provide the highest quality of products and services without the extravagant cost. There are a few small fees that are in effect to protect the interest of the entire membership.
Rates and terms subject to change. Accurate as of October 1, 2026.
Fee Schedule
General
| Fee | Type of Fee |
|---|---|
| $15.00 | Returned Deposit |
| 2.00% of amount | Coin Counting, Free for Kids Club Member or for amounts less than $50.00 |
| FREE | Notary Public Service |
| $10.00/payment | Telephone Payment Fee for payments made from an account at another financial institution (no fee if payment made from an MFCU account) |
| $15.00 | Signature Guarantee (Stock/Bond Transfer) |
| $75.00 | Garnishment or Levy |
| $50.00 | Escheat Fee |
| $5.00/month | Bad Address |
| $3.00/statement | Mailed Statement Fee (waived for members under 18 and ages 60+). This fee can be avoided with free eStatements. |
| $10.00/month | Non-Participation Fee* |
| *Non-Participation Fee: assessed on the first day of every month following a month where your average balance was below $100 and your relationship with the credit union consists of only a primary share. This fee will not be charged for the first 12 months of full membership. Youth accounts are not full memberships. | |
Checking Accounts
| Fee | Type of Fee |
|---|---|
| $27.00 | Stop Payment - In Person |
| $18.00 | Stop Payment - Online |
| $27.00 | NSF Check Return Fee (waived in Thrive Checking accounts) |
| FREE | Copy of Draft via Online Banking |
| $27.00/hour | Account Research |
| $15.00 | Credit Union Imposed Account Closure |
| FREE | Overdraft Transfer from Savings |
| $3.00/per occurrence | Statement Copies/Account History - Fee is $2.00/per occurrence for Thrive Checking accounts |
| FREE | Line of Credit Advance (daily interest will apply) |
| $27.00 | Member Privilege Overdraft Protection, per item paid |
| $4.00/page | Starter Checks |
| $7.95-$10.95/month | Fresh Start Checking - Fee is $7.95 / month if a direct deposit posts during the month; or $10.95 if there is no direct deposit. |
| $5.00/month | Thrive Checking - Fee is waived if you have direct deposit to checking. |
Checking Fees are charged at the end of each month. | |
Debit/ATM Cards Transactions
| Fee | Type of Fee |
|---|---|
Simply Free Checking and Fresh Start Checking | |
| $1.00 | ATM Transaction or Inquiry at ATM machine outside the Co-Op Network. Members First Credit Union ATMs are not subject to this fee. |
All Accounts | |
| FREE | Any ATM Transaction or Inquiries at Members First Credit Union ATM or any Co-Op Network ATM |
| $5.00 | Card Replacement |
| FREE | Overdraft Transfer from Savings or Checking |
| $27.00 | Member Privilege Overdraft Protection, per item paid |
| $27.00 | Empty Envelope ATM Deposit, Possible loss of services |
VISA Credit Cards
| Fee | Type of Fee |
|---|---|
| $5.00 | Card Replacement |
| $25.00 | Late Payment Fee |
| $25.00 | Returned Payment Fee |
| 3.00% of transaction amount | Balance Transfer Fee |
| 3.00% of transaction amount | Cash Advance with MFCU VISA |
| $10.00 | Cash Advance with non-MFCU VISA |
Convenient Cards & Checks
| Fee | Type of Fee |
|---|---|
| $3.00 | VISA Gift Card |
| $7.00 | Travel VISA Card (Travel Card Reload Fee is $2.00) |
| $2.00 | Money Order |
| $5.00 | Cashier's Check |
ACH/EFT
| Fee | Type of Fee |
|---|---|
| $27.00 | NSF Return Fee (waived in Thrive Checking accounts) |
| FREE | Overdraft Transfer from Savings or Checking |
| $27.00 | Member Privilege Overdraft Protection, per item paid |
| $27.00 | Stop Payment - In Person |
| $18.00 | Stop Payment - Online |
Wire Transfers
| Fee | Type of Fee |
|---|---|
| $25.00 | Domestic |
| $50.00 | International |
Online Services
| Fee | Type of Fee |
|---|---|
| FREE | Online Banking |
| FREE | Mobile Banking with Mobile Check Deposit |
| FREE | Online Bill Pay |
| FREE | eAlerts |
| FREE | eStatements |
Dormant Account Fee
| Fee | Type of Fee |
|---|---|
| $5.00/month | If an account has been inactive after a period of one year, the credit union will charge a monthly fee until such time as the account is reactivated by the member, the balance drops to zero, or the balance of the account is escheated to the State of Michi |
Safe Deposit Box Annual Rental & Fees
| Fee | Type of Fee |
|---|---|
| $30.00 | 3 x 5 x 24 (available only at Dartmouth) |
| $40.00 | 5 x 5 x 24 (available only at Dartmouth) |
| $50.00 | 3 x 10 x 24 |
| $60.00 | 5 x 10 x 24 |
| $100.00 | 10 x 10 x 24 |
| $20.00 | Duplicate Key for Safe Deposit Box |
| Actual Cost | Lost Keys (Safe deposit box re-drilling or re-keying) |
| Prorated | Early Closing Fee |
Non-Member Fees
| Fee | Type of Fee |
|---|---|
| $10.00/check | Non-Member Cashier's Check Fee |
| $5.00/check | Non-Member On-Us Check Cashing Fee |