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MSUFCU | Disclosures | Visa

Visa Credit & Debit Card Disclosures

 

Service Fee Schedule

Totally Green Checking

FREE

Classic Checking

$5.00 / minimum balance fee

Money Marketing Checking

$5.00 / minimum balance fee

Rebuild Checking $10.00 / month

Check Fees

Personal Check Printing Based on style
Temporary Checks $1.00 / page
Cashier's Checks $2.00 (one free per day)
Money Order $2.00 (one free per day)
Wire Transfer Fees  
Domestic Wire Transfer $20.00 for sending
International Wire Transfer $50.00 for sending
Incoming Wire Transfer $5.00 for receiving

International Item Fees

International Currency—Purchasing $14.00

Processing International Checks

 Canadian Checks

$5.00

International Checks requiring short collection

$25.00

International Checks requiring long collection

$75.00
Returned International Checks $40.00
Online Banking with ComputerLine Free
Bill Payment Free
Card Fees 
Replacement Cards
ATM $2.00
Debit or Credit $5.00
Non-CO-OP ATM Network $1.00 / transaction
International Service Assessment (ISA)
ATM & PIN-Based Transactions1 1.0% of the International Transaction Amount
Signature-Based Transactions1 3.0% of the International Transaction Amount
Miscellaneous Fees 
Bond Coupon Processing $10.00
Canceled Check Copy $5.00
Coin Machine Use (non-members) 10% fee
Consumer Loan Late Payment $25.00
Courtesy Pay2 $30.00
Courtesy Pay for Debit2 $30.00

Dormant Account

$5.00 / month
Garnishment/Levy $75.00
Non-Sufficient Funds (NSF) $30.00
Overdraft Notice (Paper) $5.00
Research $25.00 / hour
Returned Deposited Item $15.00 (Domestic)
$40.00 (International)
Escheatment $75.00
Re-Deposit Returned Item $5.00
Skip-A-Pay Application $35.00
Share Collection $30.00
Statement Copy $5.00

Stop Payment

$25.00
Telephone Transfer FREE

1Calculated after the transaction has been converted to US dollars.
2Courtesy Pay and Courtesy Pay for Debit (when opted-in) are protected with 
Balance Shield and will not receive a fee if the account is negative less than $5.00.
 

For inquiries, contact us at:
Michigan State University Federal Credit Union
PO Box 1208
East Lansing, MI 48826-1208


By phone: 517-333-2424 or 800-678-4968

Loans: 517-333-2222 or 800-678-6967
Visa: 517-333-2323 or 800-847-2383

Mortgage: 517-333-2210 or 866-678-3328

REV. 09/16



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 www.visa.com/checkoutfees for more information.


 

MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44

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