Money Management

Schedule of Fees

Effective November 15, 2013

MEMBERSHIP  
Traditional Membership $10.00 
Youth Membership $5.00
Indirect Membership $25.00
CHECKING ACCOUNTS  
METRO Basic Checking  
With electronic deposit or $1,500 average daily balance Free 
Without minimum requirements $5.00
METRO Dividend Checking  
With $2,500 average daily balance Free
Without minimum requirements $10.00
METRO Rewards Checking  
With $10,000 average daily balance Free
Without minimum requirements $15.00
Access Checking  
16-22 years of age Free
Rebuilder Checking $12.00
   
Other Charges  
Stop Payment (check/ACH/EFT) $29.00
Overdraft Protection Transfer $5.00
Check Printing at cost
Check Copy $3.00
Account Reconciliation (Hourly rate) $25.00
GENERAL  
Cashier's Check $5.00
Cashier's Check (Non-Member) $10.00 
Cashier's Check Stop Payment $29.00
Check Cashing (Non-Member) $5.00
Insufficient/Uncollected Funds (paid or returned) $29.00 
Bounce Guard Courtesy Overdraft $29.00
Returned Deposit Item $20.00
Reg D Excessive Withdrawal $10.00
Inactive Savings Account (quarterly fee)  
(180 days inactivity) $15.00
Return Mail Handling $5.00
Incoming Collection $20.00
Outgoing Domestic Collection $10.00
Outgoing Domestic Wire $25.00
Outgoing Foreign Wire $35.00
Wire Trace (Domestic or Foreign) $30.00
Pay By Phone $10.00
FAX Request $20.00
Returned Loan Payment (Check/ACH) $15.00
Statement/Account History Printout $5.00
Document Copy $5.00
HELOC File Copy $50.00
Closed-end Real Estate Loan File Copy $150.00
Verification of Mortgage $20.00
Vehicle Internal Refinance $50.00
Vehicle Lien Release $20.00
Escheat Notice $2.00
Research (Hourly Rate) $25.00
Legal Process $35.00
IRA Distribution Set Up (one time fee)  $25.00 
IRA Transfer  $20.00
Verification of Deposit $10.00
Notary Service (Per Signature) $10.00
Backup Federal Withholding Set Up $25.00
Travelers Checks  Free 
Gift Checks Free
Rolled Coin Acceptance (first 5 free) $.25 per roll
ONLINE BILL PAYMENT  
BillPay Enrollment Free
BillPay Monthly Service Charge Free
BillPay Insufficient Funds $29.00
BillPay Stop Payment $29.00
ATM/CHECK CARD SERVICES  
ATM/Check Card Replacement $5.00
ATM Withdrawal (CO-OP) Free
ATM Withdrawal (Non CO-OP) $2.00
ATM Deposit Adjustment $5.00
ATM Transaction Photo (CO-OP) $25.00
ATM Transaction Photo (non CO-OP) Cost + $5.00
Check Card Transaction Copy $7.00
ATM Point of Sale Transaction $0.25