MSUFCU Routing Number: 272479663

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800-678-4968 • 517-333-2424
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MSU Federal Credit Union | Disclosures | Business

Business Account Disclosures

Business Account Fee Schedule
Membership Fee $1.00
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
*RSO Checking None
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
*RSO Checking None
Business Sweep $0.25/item
Sweep Feature Fee
(if aggregate account balance is less than $25,000)
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 $20.00 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

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


Check Fees
Cashier's Check $2.00 (first check free)
Money Order $2.00
Temporary Checks $1.00/page
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 Transactions* 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 $50.00
Returned Deposited Item
   Domestic $15.00
   International $40.00
Re-Deposit Returned Item $5.00
Early Account Closure $20.00
Dormant Account Closure $5.00/month

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. 01/15

*The Registered Student Organization (RSO) Checking is available to student organizations registered with MSU and who appear on the list of Student Groups on MSU’s website. Should the RSO’s registration with MSU lapse and we become aware of the status change, the RSO checking account will be converted to a Small Business Checking. The RSO will also be required to provide an Employer Identification Number (EIN) for tax reporting purposes. At least one student registered with the organization through MSU must be on the account as a Responsible Individual.  An Advisor is required and must be the person registered as such with the student organization on the MSU Student Group website. All individuals on the account must sign and all personal accounts must be in good standing. MSUFCU will notify the Department of Student Life of any RSO account not held in good standing.