All fees effective as of 8-15-12. Call 515-283-4195 for details on commercial account fees. 

Share Draft Checking Account Fees	Fee
50 share drafts or less processed	No monthly fee
Excess share draft fee (over 50 per month)	$.50/check
Overdraft (NSF) for returned ACH or draft	$28.00/item
Overdraft (NSF) for paid ACH or draft	$28.00/item
Stop Payment fee	$28.00/item
Overdraft transfer fee from savings	$4.00*
Overdraft transfer fee from MasterCard	$4.00*
Account/Statement printout	$5.00
Account balancing and research	$20.00/hour
Share draft printing	Varies
Check copy	$3.00/check

*Subject to 6% Iowa sales tax--includes 1% local option sales tax. 

ATM Fees	Fee
10 withdrawals (W/D) and 10 point-of-sale (POS) transactions	No monthly fee
ATM W/D fee (over 10 per month)	$2.00/withdrawal*
ATM POS transaction fee (over 10 per month)	$2.00/transaction*
ATM balance inquiry fee	$1.00/transaction*
ATM W/D fee (outside Iowa)	$1.00/transaction*
Extra cards (no charge for first two)	$5.00
Transfer between account or deposits	No monthly fee
Daily withdrawal limit	$510

*Subject to 6% Iowa sales tax--includes 1% local option sales tax. 

MasterMoney Debit Card Fees	Fee
Unlimited MasterMoney transactions per day (swipe and sign)	No monthly fee
Annual/Monthly Fee	No fee
Photocopies or reprints of transactions	$1.00/page
Lost card or lost PIN	$5.00/card
Cash advance fee	No fee
Daily purchase limit	$1,000/day

Account Access Fees	Fee
10 Tellerphone calls/month	No monthly fee
Each additional Tellerphone call	$2.00/call*
Home Banking access	FREE
Bill Payer	FREE**

*Subject to 6% Iowa sales tax--includes 1% local option sales tax. **If Bill Payer is not used to pay a bill in a 60-day time period, we have the right to automatically terminate the service.

Miscellaneous Fees	Fee
Corporate check to a third party	$2.00/check
Certified corporate check	$5.00/check
Money orders	$1.50 each
Outgoing wire transfer (inside US)	$15.00
Outoing wire transfer (outside US)	$25.00/foreign currency
Early account closing (before 6 months)	$15.00
Reopen closed account within 6 months	$5.00
Dormant Account Fee	$5.00/month*
Incorrect address	$5.00/month
Administrative Levy	$10.00
Foreign Check Collection	$15.00
Non-Member Notary Fee	$5.00/document
Return Deposit Item-Issued to you by another person	$10.00/item
Return Deposit Item-Written on your account at another financial institution	$25.00/item

*A dormant fee is assessed when mail has been returned for one year, and the account has been inactive for one year.

Check-Cashing Fees	Fee
Check Cashing For Members	$3.00* (up to $1,000--1% for checks over $1,000)
Check Cashing For Non Members	$5.00* (for checks up to $1,000)

*The check-cashing fee is waived for members who have a $500 relationship with DMMCU, an active checking account, or regular direct deposit. The fee is also waived for members 18 years of age or younger. The maximum fee is $20. 

Annual Safe Deposit Box Fee	Fee
3'' x 5'' x 24''	$20.00
5'' x 5'' x 24''	$25.00
3'' x 10'' x 24''	$35.00
5'' x 10'' x 24''	$45.00
10'' x 10'' x 24''	$65.00
Fee For 1 Lost Key	$15.00
Fee For 2 Lost Keys	Drilling costs

Please call DMMCU at 515-283-4195 to check the availablity of safe deposit boxes.

Visa Gift Card Fees	Fee
Initial Load Fee For Amounts $25-$750	$2.00/card
Lost/stolen card replacement fee	$5.00/card
Maintenance fee--First 12 months	No fee
Maintenance fee--After 12th month	$2.50/month*

*$2.50/month until card balance is $0.

Visa Prepaid Reloadable Card Fees*	Fee
Aquire card	$4.95/card
Load Fee	No fee

*For a complete listing of fees associated with a Coopera Prepaid Reloadable Visa Gift card, visit: http://www.cooperacard.com/about_your_card/fees/