General
Items Sent for Collection	$5/item
NSF (Non-sufficient Funds) Return	$27/item
Overdraft Privilege	$25/item*
Overdraft Protection Transfer	$5/transfer*
Cashiers Checks	$3/check
Visa® Gift Card Activation	$4/card
Account Reconciliation/Research	$25/hour
ACH Manual Posting Fee	$10/item
Stop Payment	$25/request
Statement Copy	$2/copy
Return Item	$20/item
Inactive Account	$5/quarter
Photocopy of Check	$3/copy
Domestic Outgoing Wire	$10/wire
International Outgoing Wire	$30/wire
Returned Mail	$2/item
Phone Call/Call Center	$5/call [if member has only a savings account with balance less than $200]
Check Cashing	$5/item [if member has only a savings account with balance less than $200]

*Fees for Overdrawing Accounts. Fees may be imposed on each check, draft, item, ATM card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone-initiated withdrawal, or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. If an item is returned because the available balance in your account is not sufficient to cover the item and the item is presented for payment again, MidSouth Community FCU will charge a Return Item Fee each time it returns the item because it exceeds the available balance in your account. If, on representment of the item, the available balance in your account is sufficient to cover the item, MidSouth Community FCU may pay the item, and, if payment causes an overdraft, charge an Overdraft Fee. For consumer accounts, there is a limit of $100 Overdraft Fees (4) per day we will charge. The entire balance in your account may not be available for withdrawal, transfer, or paying a check, draft, or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item, or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information. Overdraft Privilege coverage is not available for $martChecking or fresh$tart checking personal checking accounts.

The amount of any overdraft including Overdraft Privilege is $25 and/or a returned item NSF Return Fee of $27 that you owe us shall be due and payable upon demand, but if no demand is made, not later than 30 calendar days after the creation of the overdraft. If there is an overdraft on an account with more than one owner on the signature card, each owner and agent, if applicable, shall be jointly and severally liable for all overdrafts including any fees. MidSouth Community FCU reserves the right to limit participation to one account per household and to suspend, revoke, or discontinue this service without prior notice.

Safe Deposit Box Rental
3x5	$18/year
3x10 3/8	$35/year
5x10	$45/year
10 13/16 x 10 3/8	$50/year
Drilling of Box	$150
Key Replacement	$20

Savings Account
Minimum Balance	$2.50/month [if aggregate average daily balance falls below $200]
Transaction	$10.00/transaction [if balance falls below $200]

Holiday Club
Account Withdrawal	$20/withdrawal [No fee if withdrawn between Nov. 1st - Dec. 31st.]

Money Market
Minimum Balance	$5/month if daily balance is below $2,000
Excessive Withdrawal (more than 6/month)	$5/withdrawal

Electronic Funds Transfer
ATM Withdrawal/Transfer	$0.95/withdrawal if more than (5) withdrawals/transfers; (7) withdrawals/transfers for iChecking account – per month at any machine other than a MidSouth Community branch location
Card Replacement	$5/card