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Routing Number: 272479663
Swift Code: MSUCUS44
MSUFCU | Disclosures | Business

Business Account Disclosures

Business Account Fee Schedule
Minimum Balance Fee
Small Business Checking None
Standard Business Checking $15.00/month
Money Market Business Checking $25.00/month
Activity Business Checking $20.00/month
IOLTA Money Market Checking $5.00/month
Excess Transaction Fees
Business Spartan Saver $0.25/item
Business IMMA $0.25/item
Small Business Checking $0.25/item
Standard Business Checking $0.25/item
Money Market Business Checking $0.25/item
Activity Business Checking $0.15/item
Business Sweep $0.25/item
Sweep Feature Fee
(if aggregate account balance is less than $25,000)
IOLTA Money Market Checking $0.25/item
eDeposit (Remote Deposit Capture)
Standard Scanning Option FREE
High-Speed Scanning Option $35.00/month
Online Banking via ComputerLine FREE
Bill Payment Fee
Electronic/ACH FREE
Paper 20 Free / $0.75 after
Currency Fees
Provide Currency Up to $2,500 free per day/ then $0.10 per $100
Provide Coin Up to $1,000 free per day / then 1.0%
Deposited Coin Up to $1,000 free per day / then 1.0%
Wire Transfer Fees
Domestic Wire Transfer $25.00 for sending
International Wire Transfer $40.00 for sending
Incoming Wire Transfer  $5.00 for receiving
International Item Fees
International Currency - Ordering $14.00
Processing International Checks
Canadian Checks
International Checks

   (eligible for short collection)
International Checks
   (requiring long collection)


Check Fees
Cashier's Check $5.00
Money Order $3.00
Temporary Checks $1.00/page
Returned Wire $5.00
Card Fees
Credit / Debit / ATM Card Replacement $10.00
Non-CO-OP Network ATM  $1.00/transaction
International Service Assessment (ISA)
ATM & PIN-based POS Transactions1 1.0% of the International Transaction Amount
Signature-based Transactions1 3.0% of the International Transaction Amount
Calculated after the transaction has been converted to U.S. dollars. 
Miscellaneous Fees
Bond Coupon Processing $10.00
Canceled Check Copy $5.00
Statement Copy $5.00
Stop Payment $25.00
Research/Checkbook Balancing
(1 hour minimum)
Legal Processing $50.00
Overdraft Notice (Paper) $5.00
Non-Sufficient Funds (NSF) $30.00
Share Collection $30.00
Garnishment/Levy $75.00
Returned Deposited Item
   Domestic $15.00
   International $40.00
Early Account Closure $20.00
Dormant Account Closure $5.00/month
Escheat Fee $75.00


For inquiries, contact us at:
Michigan State University Federal Credit Union
PO Box 1208
East Lansing, MI 48826-1208
Phone: 517-333-2365 or 800-678-4968

REV. 05/16