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1st MidAmerica Credit Union Exceeding Member Expectations
1st MidAmerica Credit Union

Account Fees

The following fees are associated with credit union services:

Service Fee
Auto License Sticker Fee $5.50
ATM Transaction or Inquiry at Non Owned Machine 
Locator Fee (for statements returned by mail) $1.00
Basic Business Share Draft Monthly Fee $7.00

Elite Business Share Draft Monthly Fee

Basic Business Accounts - Per Item charge over monthly minimum (150)                             $0.25
Community Share Draft Accounts - Per Item charge over monthly minimum (100)      $0.30
Elite Business Share Draft Accounts –  Per Item charge $0.25
Check Cashing Fee  (Basic Member Relationship level) $5.00
Check by Phone Fee (Per Check) $9.95
Closing Account Within First 90 Days of Opening/Reopening Account Within the last 90 days $20.00
Conversion of Account $50.00
Copy of Paid Share Draft $3.00
Copy of Statement/History of Account (Current Month) $3.00
Credit Union Corporate Checks  $3.00
Dormant Account (monthly) $5.00
Online Bill Pay Research Fee (Per item) $15.00
Foreign Item Collection Handling Charge Per Item $22.50
Garnishment/Tax Levy Administration Fee $50.00
Insufficient Funds (NSF) Per Item $29.00
IRA Transfers to Another Company $10.00
Money Market Excessive Transactions (Fee charged for each transfer after 6) $15.00
Money Market Minimum Balance (under $2,500) $10.00
Money Orders (Free to members 65 and over) $2.00
Monthy Maintenance Fee for Basic Relationship Level $5.00
New Membership Fee $0.25
Overdraft Transfers (Fee charged for each transfer 1-6) $5.00
Payment by Phone Fee (ACH/Debit/Credit Transactions) $9.95
PIN Number Changes (first change free) $1.00
popmoney: per transaction sent $0.50
Regulation D Excessvie Transfers
Fee charged for each transfer after #6
Replacement Debit Card (standard card) $5.00
Custom Photo Debit Card (replacement/new) $9.95
Research of an account (per hour) $20.00
Return Deposit/Loan Payment Check $25.00
Right Track Checking Monthly Service Fee $9.95
Safe Deposit Box (cost per size of box) $15.00-$60.00
Safe Deposit Box Drilling $100.00
Safe Deposit Box Lost Key  $25.00
Skip a Pay (per loan when offered) $35.00
Stop Payment Credit Union Checks $25.00
Stop Payments (Check or Electronic) $25.00
Stop Payments for a Range of Checks (must be consecutive order) $25.00
Temporary Checks (Each) $0.25
Travelers Checks (per $100) $2.00
Travelers Checks for Two (per $100) $2.50
VISA-Card Recovery Fee $65.00
VISA-Express Delivery (Credit or Debit Cards) $100.00
VISA-Emergency Replacement Card (Credit Cards Only) $150.00
VISA-Replacement Card Fee  $5.00
VISA-Return Check Fee and Declined Convenience Check


VISA-Late Payment Fee $25.00
VISA International Service Assessment Fee (percent of transaction) 1%
VISA Gift Card (Members) $3.00
VISA Gift Card (Non-Members) $5.00
VISA Prepaid Debit (Travel Card) $5.00
Wire Transfer Domestic (Incoming) $10.00
Wire Transfer Domestic (Outgoing) $20.00
Wire Transfer Foreign (Incoming) $20.00
Wire Transfer Foreign (Outgoing) $50.00
Your savings federally insured to at least $250,000 by the National Credit Union Administration. An additional $250,000 is privately insured by ESI.
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