Memorial Credit Union


Effective as of: 09/01/2023
Savings Account Fees
Paper Statement Fee - (This fee can be avoided by enrolling in E-Statements)$4.00
Copy of Prior Statement$1.00 per statement - picked up
$2.00 per statement - mailed
History Printout of Current Quarter - Picked Up in Office No charge
History Printout of Current or Prior Quarter - Mailed $1.00
Returned Check Fee $35.00
Returned Deposit Checks $35.00
Stop Payment $35.00
Account Close Fee $25.00 fee to close accounts that are opened and closed within six months.
Record Research $10.00 per hour - extensive records research is required for copies of checks or statements. ($10.00 minimum charge)
Minimum Balance Violation** $5.00 per quarter
Dormant Accounts$5.00 per month until the balance is less than $25.00 at which time the account may be closed.
Bad Address Fee $5.00 each time returned for bad address
Wire Transfer (Incoming/Outgoing) $20.00 Domestic
Garnishment Fee $50.00
Excessive Withdrawal Fee (Holiday & Vacation Club Accounts Only) $25.00
Statement Copies$1.00 per statement - picked up
$2.00 per statement - mailed
Early Closure 3 months dividends
Checking Account Fees
Monthly Fee► See Checking Account for fee information.
Per Check Charge $0
Non-Sufficient Funds (NSF) Fee $35.00
Stop Payment Fee $35.00 per check or consecutive range of checks
Check Copy Fee $3.00 per check
Checking Statement Balancing Service $10.00 per hour
Draft Copies $3.00
Overdraft Share Transfer $5.00
ATM/Debit/Credit Card Fees
Replacement Fee $15.00
Other Fees
*Money Orders $3.00
Cashier Drafts (Minimum $500.00) $5.00
* Available at Hospital Branch Only
**Dormant Accounts: If we lose contact with a member because no current address is available and there has been no activity in the account for the past 12 months, the account will be declared dormant and will be charged a $5.00 monthly fee until the balance is less than $25.00 at which time the account may be closed. After 5 years, any funds remaining in the account in excess of $25.00 are turned over to the state of Tennessee.
Bill Paying Services
With Visa Debit or Credit CardNone
Without Visa Debit or Credit Card$4.95 per month
International ACH Transaction
IAT Fee25.00
Returned IAT Fee35.00
Loan and Visa Services
Visa Gift Card5.00
Visa Cash Advan$1
Loan Extension30.00
Loan Payment Extension25.00
TN or GA Noting of Lien FeeVaries and will be disclosed at loan origination
TN Temporary Lien Fee10.00
Temporary Liens are only placed if title not received within 15 days of purchase.
Returned Statement 5.00

Download our Mobile App

For your convenience, members can download our MCU app to their cell phones. The mobile app allows you to see balances, make transfers, and more. Go to Google Play or Apple Store to download the app.

Google Play App Store

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