All fees effective as of 7/1/2019. Call 515-283-4195 for details on commercial account fees.
Share Draft
| Fee | Fee Amount |
|---|---|
| 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 7% Iowa sales tax – includes 1% local option sales tax.
ATM
| Fee | Fee Amount |
|---|---|
| 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 7% Iowa sales tax – includes 1% local option sales tax.
MasterMoney Debit Card
| Fee | Fee Amount |
|---|---|
| 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 |
Account Access
| Fee | Fee Amount |
|---|---|
| 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 7% 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 Fees
| Fee | Fee Amount |
|---|---|
| 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.
Safe Deposit
| Fee | Fee Amount |
|---|---|
| 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 & Reloadable Cards
Visa® Gift Cards
| Fee | Fee Amount |
|---|---|
| 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
| Fee | Fee Amount |
|---|---|
| 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.
Miscellaneous Fees
| Fee | Fee Amount | |
|---|---|---|
| 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 | |
| CU Service Network (over 10 per month) | $1.00 per transaction | |
| 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 or 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.