| Monthly Service Fee |
EASY Business Checking
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FREE
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You agree to sign up for myMcCoy
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Total Business Checking
- Earns Dividends
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$10
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You can avoid this fee by maintaining an average daily balance in the checking account of $1500
You can avoid this fee by maintaining an average daily balance in the checking account of $1500
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Basic Business Checking
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$5
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Balance To Open
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$50 deposit to the savings account
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Fees for using your account when you don't have enough money in it.
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Overdraft Fees
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NSF Return Fee
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$30
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For each item returned unpaid
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Courtesy Pay Fee
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$30
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For each item paid in accordance with the Credit Union's Discretionary Overdraft Policy
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Overdraft Protection Fee
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$5
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For each item paid by transferring funds from your savings or line of credit
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| ATM Fees |
Withdraws at McCoy FCU, Publix & CU Here ATMs
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FREE
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Withdraws at all other ATMs
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$2
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Per withdrawal
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Balance Inquiry at McCoy FCU, Publix & CU Here ATMs
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FREE
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Balance Inquiry at all other ATMs
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$1
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Per inquiry
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| Stop Payment Fees |
Stop Payment on Check
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FREE
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If placed via myMcCoy or Toni the Teller
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$25
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If placed with a Credit Union Representative
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Stop Payment on ACH Debit
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$25
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Only available with Credit Union Representative
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Stop Payment Removal
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$10
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Only available with Credit Union Representative
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| Online Account Fees |
myMcCoy
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FREE
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Access your account 24 hours a day
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Bill Pay
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FREE
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myMcCoy Account to Account Transfer
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FREE
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Bill Pay Gift Payment
|
$2.99
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Gift Check
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$1.99
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Charitable Donation
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Bill Pay Overnight Check
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$14.95
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Physical check - guaranteed delivery
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Bill Pay Second Day Check
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$9.95
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Physical check - guaranteed delivery
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Bill Pay Second Day Electronic
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$4.95
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ACH Payment Only
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Paper Statement Fee
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$3
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To avoid fee enroll in E-Statements
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| Deposited Items Returned |
Items deposited into your account that are returned unpaid
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$15
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If drawn on account other than your own
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$30
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If drawn on your account at another financial institution
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| Wire Transfer Fees |
Wire Transfer Outgoing
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$25
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Within United States Only
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Wire Transfer Incoming
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$10
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| Savings Account |
New Account Set Up Fee
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$15
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Monthly Service Fee
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$5
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How to avoid the fee?
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- Total funds on deposit on the last day of the month is $50 or more OR;
- You have a loan with McCoy Federal (excludes credit cards)
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Early Account Closure Fee
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$10
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If account is closed within 90 days of opening
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| Other Fees Affecting Your Account |
ACH Credits Manual Post
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$10
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Bad Mailing Address Fee Bad Email Address Fee
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$5
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Charged monthly to the savings account - keep your address current to avoid this fee
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Coin Processing Fee
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3%
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Of coins deposited
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Dormant Account Fee
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$5
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Charged monthly to the savings account if no activity for one year or more
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Foreign Check Deposit
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$35
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Each
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IRA Transfer Fee
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$30
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If funds are sent to another financial institution
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Monetary Instruments
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$1
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Per money order - Official checks are free
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Verification
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$15
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Of account (letter) or deposit (form)
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Payee Official Check Fee
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$10
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Charged to payee wanting to exchange a member's check for an Official Check
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Notary Service
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$5
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McCoy member per document
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$10
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Non-member per document
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Checkbook Balancing
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$10
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Per hour, one hour minimum
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Copies
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$2
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Each for statement and checks - FREE online
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Account History Printout
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$2
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FREE online
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| Collection Fee |
Collection Agency Fee
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$20
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| Discretionary Overdraft Payment Information |
At our discretion, we may make a payment or honor a withdrawal from your account that exceeds the amount of funds available. A fee will be imposed for overdrafts created by checks, ACH, Point-Of-Sale, ATM withdrawals, in-person withdrawals, or by other electronic means. Overdrafts must be repaid within 32 calendar days.
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| Processing Payment Order of Items |
We process:
- ACH debits and credits in the morning before the Credit Union opens for business.
- ATM withdrawals and PIN based point of sale items as the transaction completes.
- myMcCoy and Toni the Teller as the transaction completes.
- Signature based point of sale transactions as they are received from the merchant.
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| Availability of Funds |
Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we received your deposit. Electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the second business day after the day of deposit.
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| Credit Union Shares |
A minimum balance of $5 is required at all times in the primary savings (share) account. This $5 cannot be used for overdraft protection, automatic loan payments or ATM withdrawals.
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| Check Orders |
The charge for checks ordered through the Credit Union will be automatically deducted from your checking account.
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| Hold on ATM Deposits |
Funds deposited into an ATM will be placed on a hold for two business days. $500 of your deposit will be made available to you immediately.
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| Non-Member ATM Surcharges |
McCoy FCU will charge a $2 surcharge for any withdrawals from a McCoy ATM using a card issued by another financial institution.
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