Forms & Resources Fee Schedule
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FEE SCHEDULE- OTHER ACCOUNT FEES AND SERVICES EFFECTIVE 2/1/2017
Fee Category Fee Name / DescriptionFee AmountOther Important Information About This Fee

PRIMARY SAVINGS ACCOUNT 
Monthly Minimum Balance Fee

 
$5.00 

The fee is waived with a monthly average balance of $250
For members under age 18 or over 59, the minimum balance to avoid the fee is $50

REGULAR CHECKING ACCOUNT
Monthly Minimum Balance Fee

 
$5.00

The fee is waived with a monthly average balance of $250
For members under age 18 or over 59, the minimum balance to avoid the fee is $50

PREMIER CHECKING ACCOUNT
Monthly Minimum Balance Fee

 
$0

None, Direct Deposit is required.  When direct deposit stops for more then two cycles, the regular checking account rules apply.

VIP MONEY MARKET CHECKING
Monthly Minimum Balance Fee
Online Check Images Fee
Excess cleared check handling fee
Min Check Amount Fee

 
$0
$0
$15.00
$15.00

 
None 
Free
Checks cleared in excess of 3 checks per month (each) 
If check paid is less then $500, fee applies

STUDENT CHECKING
Monthly Minimum Balance Fee
Online Check Images Fee

 
$0
$0

 
No Minimum Balance for students
No Fee for online check images

CHECKING ACCOUNTS
Check Copy Fee
Non-Sufficient/Uncollected Funds
Privilege Check/ACH Pay Fee
Share/Loan Overdraft Protection Transfer
Stop Payment Request
Stop Payment Request on Check Range
Temporary Checks (4)

 
$3.00
$30.00
$30.00
$15.00
$15.00
$30.00
$1.00

 
Fee per check copy
Per item – Check or ACH
Per item – Check or ACH
Fee per overdraft transfer
Per item – Check or ACH
Checks only, or check series clearing by ACH
Fee for 1 sheet of 4 checks

DEBIT CARD FEES (No fees apply at METRO’s ATM)
ATM Deposits
ATM Withdrawals
ATM Transfer
ATM Inquiries
Debit Card/Pin Replacement Fee
POS Transactions

 
FREE
$1.00
FREE
$1.00
$10.00
FREE

 
At participating ATM locations
4 Free per month with Premier or Student Checking
Free on all checking accounts
2 Free per month with Premier or Student Checking
Per card number
Daily limits apply

ONLINE / EFT FEES
Call-24 Audio Account Access
Excess Call-24 Audio Fee – each call
eStatements – Electronic Statements
Mobile Banking Fee
Virtual Branch Online Banking
Monthly Online Bill Payment Fee

 

 

 

 

 

 
FREE
$0.50
FREE
$2.00
FREE
$4.50

 
15 calls per month free
Fee will be assessed per call exceeding 15 monthly
Must enroll through Online Banking
Per month, Fee waived for Members with a Checking Account
 
First 3 Months FREE!  
Monthly fee waiver options:
–  Maintain a monthly average checking account balance of $2,500;
–  Maintain a METRO loan with a balance;
–  Maintain a METRO VISA credit card and perform at least one transaction within the current calendar month;
–  Maintain (1) enrollment in eStatements, (2) receive direct deposit into your checking account, and (3) perform at least one debit card transaction within the current calendar month.

LOAN FEES
Appraisal Fee
Flood Insurance Certification
Home Equity Recording or Release Fee
Home Equity Agreement-to-Modify Fee
Initial Loan Application Fee
Loan Late Payment Fee
Loan Draft Exception Processing
Property Report
Subordination Agreement Processing Fee
Underwriting Fee
Vehicle Title Recording Fee

 
$400.00
$20.00
$150.00
$250.00
$10.00
$30.00
$25.00
$100.00
$250.00
$500.00
$95.00


.

.
.
.
.
Fee Charged when more than 10 days late
Per Draft
.
.
First Mortgages

VISA CREDIT CARD FEES
Annual Fee
Credit Card Recovery Fee
Late Payment Fee
Merchant Draft Copy Fee
Non-Metro VISA Cash Advance Fee
Statement Copy Fee
Returned Check Fee
VISA Card/PIN Replacement Fee

 
N/A
$65.00
$30.00
$15.00
$15.00
$5.00
$25.00
$10.00

 
No annual fee
.
.
.
Per cash advance on Non-Metro Visa Cards
.
.
Per Card

MISCELLANEOUS FEES  
Account Closed within 90 days
Account Reconcilement/Research Fee
Cashiers Check Fee
Dormant Account Fee
IRS/State Account Levy Processing Fee
Non-Member Check Cashing Fee
Paper Statement Fee – Online Banking Users
Returned Check Fee
Statement Copy
Verification of Account Request
VISA Travel Money Card
VISA Gift Card
Wire Transfer Fee

 
$20.00
$20.00
$5.00
$5.00
$25.00
$15.00
$1.50
$25.00
$5.00
$10.00
$7.00
$4.50
$20.00

 .
 
Per hour
.
No activity on account for 36 consecutive months
.
.
Per Statement
Deposited item returned uncollected, Check or EFT
 
 
 
Reloadable
Outgoing, domestic wires only

DIVIDENDS: Metro pays dividends monthly, on the last day of each month. Dividends are declared on the 1st day of each month and are in effect until the last day of the month. The stated APY assumes dividends remain on deposit in the account. Dividends begin to accrue on the day of deposit for both cash an non-cash deposits. Account withdrawals and/or penalties or fees may reduce earnings and the APY. Dividend rates are subject to change monthly.
STATEMENTS: Checking Accounts, ATM & Call-24 Transactions, and Electronic Funds will generate a monthly statement. All other types of Accounts and Transactions will receive a Quarterly Statement.

INSURANCE: Member Accounts are federally insured by the National Credit Union Administration (NCUA), and agency of the Federal Government, to at least $250,000.