Fee Schedule

All fees effective as of 9/1/2016.  Call 515-283-4195 for details on commercial account fees.


50 share draft or less processed no monthly fee
Excess share draft fee (over 50 per month) $.50 per check
Overdraft (NSF) for returned ACH or draft $30.00 per item
Overdraft (NSF) for paid ACH or draft $30.00 per item
Stop payment fee $30.00 per item
Overdraft transfer fee from savings $5.00*
Overdraft transfer fee from MasterCard $5.00*
Account/statement copy printout $5.00 per month
Account balancing and research $20.00 per hour
Temporary checks $2.00
Check copy $3.00 per check

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


10 withdrawals (W/D) and 10 point-of-sales (POS) transactions no monthly fee
ATM W/D fee (over 10 per month) $2.00 per withdrawal*
ATM POS transaction fee (over 10 per month) $2.00 per transaction*
ATM balance inquiry fee $1.00 per transaction*
ATM W/D fee (outside Iowa) $1.00 per transaction*
Extra cards (no charge for the first two) $5.00
Transfer between account or deposits no monthly fee
Daily withdrawal limit $510.00

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


Unlimited MasterMoney transactions per day (swipe & sign) no monthly fee
Annual/Monthly fee no fee
Photocopies or reprints of transactions $1.00 per page
Lost card or lost PIN $5.00 per card
Cash advance fee no fee
Daily purchase limit $1,000.00 per day


10 Tellerphone calls per month no monthly fee
Each additional Tellerphone call $2.00 per 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.

Check cashing for members $3.00* for checks up to $1,000.00
1% for checks over $1,000.00
Check cashing for non members $5.00* for checks up to $1,000.00

*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.

3″ x 5″ x 24″ $25.00 annually
5″ x 5″ x 24″ $30.00 annually
3″ x 10″ x 24″ $40.00 annually
5″ x 10″ x 24″ $50.00 annually
10″ x 10″ x 24″ $75.00 annually
Fee for 1 lost key $15.00
Fee for 2 lost keys drilling costs

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

Visa® Gift Cards

Initial load fee for amounts $25.00 – $750.00 $2.00 per card
Lost/Stolen card replacement fee $5.00 per card
Maintenance fee – first 12 months no fee
Maintenance fee – after 12th month $2.50 per month*

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


Visa® Prepaid Reloadable Cards

Aquire card $4.95 per card
Load fee in person no fee
Load fee over the phone under $50 $2/load
Monthly Fee $5.95*

For a complete listing of fees associated with Coopera Prepaid Reloadable Visa Gift cards, visit http://www.cooperacard.com/terms_and_fees/#rates

*Monthly fee is waived if at least $500 in loads/direct deposit monthly.


Corporate check to a third party $2.00 per check
Certified corporate check $5.00 per check
Money orders $1.50 each
Outgoing wire transfer (inside U.S.) $15.00
Incoming wire transfer $8.00
Early account closing (before 6 months) $15.00
Reopen closed account within 6 months $5.00
Dormant Account fee $5.00 per month*
Inactivity closing fee $25 after 3 years**
Incorrect address $5.00 per month
Administrative levy $10.00
Legal process fee $25.00
Foreign check collection $15.00
Non-member notary fee $5.00 per document
Return deposit item – issued to you by another person $10.00 per item
Return deposit item – written on your account at another financial institution $25.00 per item
Health savings account $2.00 per month
Account research fee (electronic/other) $20.00/$50.00 per hour
Paper Statement Fee (for members who join after 1-1-16) $2.00/statement

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

**Inactivity closing fee is for accounts that have been inactive for three years, when we receive no response after attempting to contact a member.