MSUFCU Routing Number: 272479663


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MSU Federal Credit Union | Disclosures | Visa

Visa Credit & Debit Card Disclosures

Over the last few years, you have probably heard about a lawsuit between credit card companies and merchants about fees. Effective January 27, 2013, merchants are now legally able to apply an additional fee to your credit card purchase at checkout.

Important for consumers to know:

  • Not all merchants will apply a surcharge, and they must communicate they are charging these fees prior to processing your credit card.
  • The merchant must report the exact dollar of the fee charged by printing it on your receipt as part of the transaction.
  • There are no surcharges on debit or prepaid cards - even if you select "credit" when using your debit card.
  • The surcharge rate cannot be more than 4% of your purchase.
  • This is not instituted by Visa or MSUFCU. It is a merchant agreement and would be applied directly by the merchant you are shopping with.
  • Visit for more information.