| Type | Fee |
| Account Charges | |
| Account Balancing Assistance | $20 per hour |
| Account Closed Within 90 Days of Opening | $5 |
| Account Research | $20 per hour |
| Bad Address - Mail Returned | $5 monthly |
| Check Cashing - Third Party (Member Only) | $5 per item |
| Copy of a Check | $3 per item |
| Copy of a Statement | $5 monthly |
| Dormant Account - Dormancy (after 13 months) | $5 monthly |
| Printed Checks | Call |
| Printout of Account Activity - History | $3 each |
| Reopen Account Within 90 Days of Closing | $5 |
| Stop Payment (Check, ACH, Money Order, Cashier's Check) | $30 per item |
| Stop Payment (Range of Checks) | $50 per set |
| Temporary Checks - Temp Check (8 per set) | $5 |
| Card Services | |
| ATM Surcharge (Foreign Cards Used at ATMs Owned by MMCU) | $2 |
| ATM Transaction (All Transactions at non Co-Op ATMs) | $1 |
| Co-Op Network ATM Transactions | FREE |
| Debit Card Replacement - Replacement Debit | $10 each |
| MMCU Branded Network ATM Transactions | FREE |
| Electronic Services | |
| Call 24 Phone Banking | FREE |
| Mobile Banking | FREE |
| Mobile Check Deposit | FREE |
| Online Banking | FREE |
| Online Bill Pay | FREE |
| Business Services | |
| Business Night Depository Bag (First One Free) | $21 each |
| Business Night Depository Key (Additional or Lost) | $4 |
| Business Payroll Checking Account | $5 monthly |
| Business Payroll Check Cashed by Non-Member | $5 per item |
| Business Payroll Checking Account (After 25 Transactions) | $0.10 each |
| General Service Charges | |
| Cashier's Check | $5 per item |
| Check Cashing (Non-Member) | $5 per item |
| Fax Service | $1 per page |
| IL License Plate Sticker Fee - Lic Sticker | $7.50 each |
| IL Title (Transfer, Corrected Title, Plates, or Tax Payment) | Call for info |
| Loan Payment Over Phone (From External Account) | $10 each |
| Medallion Signature Guarantee Stamp (Members Only. Available at Wood River and Maryville Branches) | $5 per item |
| Money Order | $5 per item |
| Photocopies | $0.25 each |
| Visa Gift Card | $3 each |
| Western Union / Wire Transfer - Domestic | $25 each |
| Western Union / Wire Transfer - International (At This Time, We Do Not Allow International WU or Wire Transfers) | $55 each |
| Overdraft Charges / Collection Items | |
| Item Returned for Insufficient Funds - Non-Sufficient Funds Fee | $30 per item |
| Overdraft Privilege Access (Paid Item) - Overdraft Fee | $30 per item |
| Collection Item | $30 per item |
| Deposited Item Returned Unpaid - Return Check | $30 per item |
| Foreign Check Sent for Collection | $25 per item |
| Garnishment / Citation / Levy | $50 per item |
| Safe Deposit Box Rentals | |
| 3 x 5 | $20 per year |
| 3 x 10 | $35 per year |
| 5 x 10 | $45 per year |
| 7 x 10 | $55 per year |
| 10 x 10 | $60 per year |
| Box Drilled Open - Drilled Box Fee | $125 |
| Replacement of Lost Key - Safe Box Key Fee | $20 |
| Senior Perks (60 & Over) | |
| Copy of a Check | FREE |
| Copy of a Statement | FREE |
| Fax Service | FREE |
| Printout of Account Activity - History | FREE |
| Printed Checks (One Box Per Year) | FREE |
Fees effective as of 10/01/2025. Rates Subject to Change.