Schedule of Fees

Rates current as of March 28, 2021

Teller Services

Membership Fee$5.00
Credit Union Cashier's Check Disbursals (per item) Issues from Savings/Checking$5.00
Money Orders (per item)$2.00
Statement Copy (each)$10.00
Request to attempt Stop Payment of Credit Union issues Cashiers Check (per item)$25.00
Verification of Deposit (each)$10.00
Incorrect Address / Return Mail$5.00
Account Closure Fee (within 90 days of opening)$5.00
Check Cashing (Members with Account and Loan balances below $250.00)$10.00

Electronic Services

Initial Card OrderNo Charge
Card / PIN Replacement$10.00
Rush Card Issuance$50.00
ATM Cash Withdrawal from Checking or Savings from:
    Mid-Cities owned ATMNo Charge
    CO-OP (Credit Union) ATMsNo Charge
    All other ATMs$3.00
ATM Balance Inquiries / Transfers (each)$2.00
Overdrawn Account$35.00
Returned Items deposited at ATMs (each)$35.00
Adjustments for items deposited at ATMs (each)$10.00
On-Line Loan Payment (thru Payment Center)$5.00 per loan
Home Banking and Bill Pay*No Charge
24 Hour Voice ResponseNo Charge

Automated Clearing House (ACH) Electronic Funds Transfer (EFT) Services

Insufficient Funds (per item)
    If Item is Returned$35.00
    If Item is Paid--Privilege Pay Loan$35.00
Stop Payment Request$25.00
Outgoing Wire - Domestic (Per)$20.00
Outgoing Wire - International (Per)$30.00
Incoming Wires$10.00
Account Inquiries / Transfers / Verify Checks Paid & Account ActivityNo Charge

Checking Services

Monthly Service Fee (per month)$2.00
Second Chance Checking (per month)$10.00
Business Value Checking (per month) $10.00
Check Orders / ReordersVaries
Rush Check Orders / Reorders w/ Overnight Delivery$25.00
Initial Order of Temporary Checks (12)No Charge
Additional Request of Temporary Checks (4 Checks Per Page), Each Page$2.00
Copy of Paid Checks (each)$5.00
Insufficient Funds (per item)
If Item is Returned or Paid$35.00
Stop Payment Order - Member Checks (single check or range)$25.00
Overdraft Protection (Automatic Transfer) per transfer
    From Savings$5.00
    From Privilege Pay Loan$35.00
Overdrawn Account$35.00
Statement Copy (each)$10.00
Account Reconciliation and / or Research (per hour)$50.00


Inactive Account for 6 months$5.00
Return Deposit Item (deposited, cashed, or loan payment) per item$35.00
Special Handling:
    Incoming Collection Item (per item)$10.00
    IRS / State Tax Levy / Garnishment (each)$40.00
    Subpoena of RecordsPer Legal Schedule
Overnight Delivery (Fed-Ex) Member Request$45.00
Demand Request (RE Loans)$40.00
Pay Day Loan$40 ($100 to $500 borrowed)
Pay Day Loan$50 ($501 to $1,000 borrowed)
Escheat Notice$7.00
Notary (Mid Cities Business Only)No Charge
Loan Modification$150.00
Loan Late Fee$35.00
Credit Card Late Fee$35.00
Over the Limit Fee$35.00