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Schedule of Fees

Share Savings
Transfer to Overdraft $5
Regulation D (per transaction over six) $10
Holiday Club Early Withdrawal Fee $25
Share Draft Checking
S3 Checking Prime
Monthly Service Fee $0.00
Check Printing First Set: Free | Thereafter: $10
Insufficient Funds/Uncollected Funds $29/instance 
Interest and 50+ Checking
Account Balance1,2 $10
My Choice: High-Yield Checking
Activity Requirement1,3 $25
All Checking Accounts Opened Prior to Aug. 24, 2015 including The S3 Account
Insufficient Funds/Uncollected Funds $29/instance
Copy of Paid Draft $10
Check Printing4 $10
Select Checking
Monthly Service Fee $9.95
Check Printing4 First set: Free | Thereafter: $10
Insufficient Funds/Uncollected Funds $39.95/instance
S3 Checking (opened after April 4, 2016)
Monthly Service Fee5 $24.95 (Effective April 24, 2017)
Check Printing4 First set: Free | Thereafter: $10
Insufficient Funds/Uncollected Funds $39.95/instance
Elite Checking
Monthly Service Fee6 $19.95
Check Printing4 First set: Free | Thereafter: $10
Insufficient Funds/Uncollected Funds $39.95/instance
Ascend Account
Account Closure (less than six months after account opening) $25
Account Balance (if daily balance falls below $5,000 minimum) $25
Third Party Transactions (in excess of six/month) $10/each
Traditional Money Market
Account Balance (if daily balance falls below $5,000 minimum) $15
Third Party Transactions (in excess of six/month) $10/each
Holiday Money Market
Account Closure (less than six months after account opening) $25
Account Balance (if daily balance falls below $5,000 minimum) $25
Third Party Transactions (in excess of six/month) $10/each
Optimizer Money Market
Account Closure (less than six months after account opening) $25
Account Balance (if daily balance falls below $5,000 minimum) $15
Third Party Transactions (in excess of six/month) $10/each
Individual Retirement Account (IRA)  
Annual Plan $24
Transfer Transaction $24
ATM
Balance Inquiries On Foreign ATM (first ten per month free) $1
CO-OP Network Withdrawals (first ten per month free) $1
Visa Platinum Credit Card
Over-the-Limit Up to $27
Late Payment Up to $27
Returned Payment Up to $27
Balance Transfer $5 or 2.00% of the amount transferred, whichever is greater
Cash Advance $5 or 5.00% of the amount of each advance, whichever is greater
Foreign Transaction $5 or 2.00% of the amount of each transaction amount (U.S. dollars), whichever is greater
Card Replacement (One Day)

$50 (one day)
$25 (two day)

Member Service
Inactive Account (12 Months) $5
ACH Stop Payment $16
Stop Payment on Checks and Teller Checks $16
Copy of Statement (older than three months) $5
Reconciliation of Account $50/hour
Returned Payment $25
Personal Deposited Checks Returned $25
ACH Electronic Debit (non-sufficient funds) $29
Membership Verification Request $25
Visa Gift Cards (free with S3 Checking) $4
Wire Transfers $25 (Outgoing Domestic)
$50 (Outgoing International)
Attachment $75
Foreign Items $50 (Collection)
$30 (Return)
Teller Checks (if paid other than to a member) $5
Bill Payment by Phone Convenience Fee $2.99
Duplicate - Paid in Full, Lien Release, or Payoff $9
Duplicate Loan Documentation (all loans) $30
Duplicate Satisfaction of Home Equity (mortgage and municipal fees) $100
Safe Deposit Box
Annual Rental 3 x 5      $30/year
3 x 10    $55/year
5 x 10    $90/year
Locksmith Opening Box Locksmith Fee
Lost Keys $25
Account Maintenance
Paper Statement $3/month
Bad Address $5/month
 

1Requires a minimum deposit and a qualifying direct deposit of your salary, pension, Social Security, or other regularly scheduled deposit of $500 or more per month electronically deposited to your account to avoid the monthly service fee.

2If average daily balance falls below the minimum requirement any time during the statement cycle.

3My Choice: High-Yield Checking requires account activity including Online Statements and a combination of eight (8) electronic services per month including: direct deposit, ACH, Signature debit card transactions, and Bill Payment.

4Custom check printing varies. Contact us at 1-800-226-6428 for more details.

5If the $500 minimum direct deposit requirement is not met at any time during the statement cycle.

6If the $49,999.99 minimum balance and $500 direct deposit requirements are not met at any time during the statement cycle.

 

Overdraft Fees
Fees for using your account when you don't have enough money in it or it's already overdrawn

Insufficient Funds: McGraw-Hill FCU pays an item when your account does not have enough money
Returned Item: McGraw-Hill FCU returns an item when your account does not have enough money

  • $39.95 for each item (maximum 3 Insufficient Funds and 3 Returned Item Fees per day)
  • We will not charge a fee for items that overdraw the account by less than $5

Overdraft Protection (if you are enrolled): Charged to a checking account when McGraw-Hill FCU transfers money from another McGraw-Hill FCU account to cover a transaction

  • $5 for each amount when a transfer from available funds through Overdraft Protection is made (interest will apply for transfers from your McGraw-Hill FCU Visa Platinum credit card)4

4McGraw-Hill FCU savings account will count against the number of withdrawals allowed per monthly statement period and could result in a Savings Withdrawal Limit Fee (Reg D). Interest will apply for transfers from your McGraw-Hill FCU Visa Platinum Credit Card or line of credit starting from the date of the transfer. McGraw-Hill FCU credit cards are subject to credit approval.

Debit Card Coverage and Fees
You can choose how we treat your everyday debit card transactions when you don't have enough money available. Please note: regardless of which option you choose for Debit Card Coverage, you may also want to sign up for Overdraft Protection if you are eligible. Please contact us at 1-800-226-6428 or cu_info@mcgrawhillfcu.org for more details and to sign up.

Please note that emails sent to the addresses on this page from your PC or mobile device are not secure and should not contain sensitive information such as your Social Security Number or plastic card numbers.

Option 1 (Yes): You ask us to add Debit Card Coverage
This means you want McGraw-Hill FCU to approve and pay your everyday debit card transactions, at our discretion, when you don't have enough money available. Fees may apply.

Insufficient Funds

  • $39.95 for each everyday debit card purchase that overdraws your account (maximum 3 Insufficient Funds Fees per day)
  • We will not charge an Insufficient Funds Fee if your ending account balance is overdrawn by $5 or less

Option 2 (No): No Debit Card Coverage (if you don't choose an option when you open your account, Option 2 (No) is automatically selected for you)

  • This means you do not want McGraw-Hill FCU to approve and pay your everyday debit card transactions when you don't have enough money available. Since everyday debit card transactions will be declined when there is not enough money available, you won't be charged an Insufficient Funds Fee for everyday debit card transactions.

How Deposits and Withdrawals Work
The order in which withdrawals and deposits are processed.

Generally, for each business day we will:

  • FIRST, add deposits to your account.
  • SECOND, subtract wire transfers, non-repeating (“everyday”) debit card transactions, online banking transactions, ATM withdrawals, teller cash withdrawals, and checks you write that are either cashed or deposited at a teller station by a McGraw-Hill FCU employee, in the order in which they are authorized, withdrawn, cashed or deposited.
  • THIRD, subtract all other items, including checks you write that are either cashed or deposited at an ATM starting with those having the highest dollar amount and moving to the lowest. We reserve the right to use a different order.

Short and Sweet Checking Account Terms and Conditions 

 

Questions? Ask McClever.

  • 1-800-226-6428 |
  • Routing Number: 226077943 |
  • NMLS# 407684
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