Schedule of Fees

This Schedule of Fees for all Accounts sets fourth certain conditions, fees and charges applicable to your Share, Share Draft, ATM Card, Visa Debit Card, Visa Credit Card and Loan accounts at Mission City Federal Credit Union. This schedule is incorporated as part of your account agreement with Mission City Federal Credit Union. The Credit Union reserves the right to revise these fees or impose additional charges at any time. Should such changes occur, affected members will be notified. All fees and changes associated with the Credit Union’s credit card and lending are disclosed in full at the time of application.

General Fees

Account Research Fee $ 20.00 per hour
Outgoing Domestic Wire Transfer Fee $ 15.00
Outgoing International Wire Transfer Fee $ 30.00
Stop Payment Order (Per item or range) $ 10.00
Stop Payment Order (Corporate check) $ 10.00
Stop Payment Order (ACH debit) $ 10.00
Money Order Purchase $ 1.25 per item
Cashier’s Check $ 5.00 per item
Corporate Checks1 (one free per day) $ 5.00 per item
Statement Photocopy $ 2.00 per page
Return Mail Fee2 $ 10.00 per envelope
Inactive Account Notification Fee $ 2.00
Subpoena/Legal Research $ 10.00 per hour
Tax Levy $ 15.00 per levy
Foreign Item3 (Not in U.S. Dollars) $ 30.00
Foreign Item4 (Canadian/U.S. Dollars) $ 2.00
Foreign Item5 (Other/U.S. Dollars) $ 17.00
Return Deposited Item $ 20.00
Notary6 (Free with active checking) $ 15.00 per signature
Non-Sufficient Funds (NSF) Fee7 $ 25.00
Courtesy Pay Fee7 $ 25.00
DMV Title Transfer $ 15.00
DMV Lost Title Request $ 15.00
Demand Request $ 30.00
Reconveyance $ 45.00
Consumer Loan Rate Modification $ 100.00
2nd Mortgage Subordination $ 100.00
Loan Extension Agreement Application $50.00
Real Estate Loan Rate Modification $ 1,000.00
Car Fax Report8 $ 15.00
1 One free per day
2 Failure to notify of address change
3, 4, 5 Check held for collection
6 Fee waived with an active checking account
7 For share drafts, ACH debits and ATM transactions. Non-Sufficient Funds Fee for ATM transactions will only apply if the Credit Union has member’s affirmative consent (opt-in) on file
8 Fee is waived if vehicle is financed with the Credit Union

Regular Share Account

Minimum Balance Fee $ 10.00 per quarter
(If monthly balance is below $10)  
Regular Share Account Inactivity Fee
$ 5.00
(After 12 months of inactivity in member’s account and an aggregate balance of less than $100.00)  

Dividend Checking Accounts

Minimum Balance Fee for Dividend Bearing Account Only $ 3.00
(If monthly average daily balance is below $300)  

Carefree Checking Accounts

Paper statement Fee $ 2.00
(No fee if enrolled in e-Statements)  

Yield Plus Checking Accounts

Minimum Balance Fee $ 7.00
(No fee if average daily balance is $100 or more)  

BaZing Checking Accounts

Maintenance fee $ 6.00

Santa Clara Checking Accounts

Maintenance fee $ 6.00

ATM Card and Visa Debit Card

ATM Adjustment Fee $ 6.00
Replacement of Lost or Stolen ATM/Debit Card $ 5.00
Rush ATM/Debit Card or PIN9 $ 50.00 per item
Visa International Multiple-Currency Transaction10 1% of each transaction in U.S. Dollars
Visa International Single-Currency Transaction11 1% of each transaction in U.S. dollars

VISA Credit Card

Rush Visa Card12 $ 25.00
Cash Advance 2% of the amount of each cash advance
Late Fee $ 10.00
Visa International Multiple-Currency Transaction13 1% of each transaction in U.S. Dollars
Visa International Single-Currency Transaction14 1% of each transaction in U.S. dollars
9, 12 For 2-day rush delivery
10, 13 Transactions made in foreign currency
11, 14 Transactions made in foreign currency, billed in U.S. dollars


1391 Franklin Street,
Santa Clara, CA 95050

Phone: (408) 244-5818
Toll Free: (888) 361-1894
Fax: (408) 244-9390

Debit Card Lost/Stolen Hotline: (800) 472-3272

Visa Credit Card Lost/Stolen Hotline: (800) 325-3678

Routing Number: 321177447

NMLS # 490777

Privacy Policy

Copyright © 2020 Mission City Federal Credit Union. All rights reserved.

NCUA and Equal Housing Logos