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Home > Fee Schedule

ACCOUNT INFORMATION & FEE SCHEDULE

General Fees | Personal Fees | Business Fees

 

Effective August 1, 2014

General Fees  Apply to all accounts.

Abandoned Property . . . $ 50.00
Accounts Closed Within 90 days . . . $ 25.00
Account Reconciliation / Research . . . $ 30.00
          Copy of Checks, Deposits, Withdrawals
           or Statements per page . . . $ 5.00
Confirmation/Immigration Letter . . . $ 10.00
Debit/ATM**
           Card Replacement . . . $ 5.00
           Foreign Transactions per statement cycle    
                Withdrawals in excess of 5 per transaction . . . $ 1.50
                Transfers in excess of 5 per transaction . . . $                     1.00
            Surcharges Imposed by Other Institutions
                 Credit Up to 3 per statement cycle with receipt
Draw Transfer per transfer . . . $ 5.00
Duplicate Statement . . . $ 5.00
Inactive Accounts    
After 2 years-balance under $100 per month
. . .  $ 2.50
Insufficient Funds Charge returned . . . $                     27.00
IRA    
          Annual Fee per plan . . . $               15.00
Transfer Fee
. . . $ 30.00
Large Cash Withdrawal $10,000> shipment . . . $ 30.00
Lost Passbook . . . $ 10.00
Money Order up to $1,000 . . . $ 2.00
Night Depository Service 100 Disposable Bags . . . $ 20.00

Notice of Levy

. . . $ 75.00
Overdraft
Daily Overdraft Per Day after 5 days
. . . $ 5.00
Insufficient Funds Charge paid
. . . $ 27.00

          Overdraft fees may apply to overdrafts
          created by check, in-person withdrawal, 
          ATM withdrawal, or other electronic means.

             
Returned Deposited Item . . . $                 5.00
Stop Payment  
            ACH . . . $               10.00
 Check
. . . $ 10.00
 Money Order
. . . $ 20.00
 Treasurer's Check
. . . $ 20.00
Treasurer's Check over $1,000 . . . $ 5.00
Uncollected Funds Charge paid & returned . . . $                     27.00
Wire Transfer Available to customers only.  
           Incoming Domestic   FREE
           Incoming Foreign   FREE
           Outgoing Domestic . . . $                30.00

 

Personal Fees

Simply FREE Checking  

Minimum Amount to Open . . . $ 50.00
Check Orders First set of 30 checks FREE*   Varies by style
Debit/ATM Card**   FREE

 

Easy Interest Checking 

Minimum Amount to Open . . . $ 50.00
Minimum Amount to Earn Annual Percentage Yield . . . $ .01
Annual Percentage Yield Variable
Monthly Maintenance Service Charge . . . $ 10.00
Waive Monthly Maintenance Service Charge
Maintain a Minimum Average Daily Balance . . . $          1,000.00
Check Orders First set of 30 checks FREE* . . . $

Varies by style

Debit/ATM Card**  FREE

 

President's Choice Checking

Minimum Amount to Open . . . $      50.00 
Minimum Amount to Earn Annual Percentage Yield . . . $ .01
Tiered Annual Percentage Yield Variable
The higher your balance, the higher your rate
 
           $    0.01 - $1,499.99
              $1,500.00 - $24,999.99  
              $25,000+
Monthly Maintenance Service Charge . . . $ 10.00
Waive Monthly Maintenance Service Charge
Maintain a Minimum Average Daily Balance 
. . . $            1,500.00
Check Orders First set of 120 checks FREE* Varies by style
Debit/ATM Card**                   FREE

 

New Beginnings Checking

Minimum Amount to Open . . . $ 50.00 
Monthly Maintenance Service Charge . . . $ 8.00
Check Orders First set of 30 checks FREE*   Varies by style
ATM Card** FREE

 

NOW Checking Applies to existing accounts only.

Minimum Amount to Earn Annual Percentage Yield . . . $ .01
Annual Percentage Yield   Variable
Monthly Maintenance Service Charge . . . $ 10.00 
Waive Monthly Maintenance Service Charge
     Direct Deposit or Maintain a Minimum Average
        Daily Balance . . . $ 1,000.00
 
Passbook Savings
Minimum Amount to Open . . . $ 50.00
Minimum Amount to Earn Annual Percentage Yield . . . $ 50.00
Annual Percentage Yield Variable

 

Statement Savings

Minimum Amount to Open . . . $ 50.00
Minimum Amount to Earn Annual Percentage Yield . . . $ 50.00
Annual Percentage Yield   Variable
ATM Card** FREE 
Excess Transaction Fee*** . . . $ 10/item 

 

Super NOW Savings Applies to existing accounts only.

Minimum Amount to Earn Annual Percentage Yield . . . $ 300.00
Annual Percentage Yield Variable
Debit/ATM Card** FREE
Excess Transaction Fee*** . . . $ 10/item

 

Club Account

Minimum Amount to Open . . . $ 10.00
Minimum Amount to Earn Annual Percentage Yield . . . $ 10.00
Annual Percentage Yield   Variable

 

Money Market

Minimum Amount to Open . . . $ 50.00
Minimum Amount to Earn Annual Percentage Yield . . . $ 50.00
Tiered Annual Percentage Yield Variable
The higher your balance, the higher your rate
           $        50.00 - $9,999.99
              $  10,000.00 - $49,999.99 
              $  50,000.00 - $99,999.99
              $100,000 +
Monthly Maintenance Service Charge . . . $ 10.00
Waive Monthly Maintenance Service Charge
Maintain a Minimum Average Daily Balance
. . . $ 2,500.00
ATM Card** FREE
Excess Transaction Fee*** . . . $ 10/item 

 

Safe Deposit Boxes

Annual Fee   Varies by size
Drilling Fee . . . $ 150.00
Key Deposit . . . $ 20.00
Late Payment . . . $ 10.00
Transfer of Box . . . $ 20.00

 

Business Fees

Simply FREE Business Checking

Minimum Amount to Open . . . $ 50.00
Check Orders First set of 30 checks FREE*   Varies by style
Debit/ATM Card** FREE

Easy Interest Business Checking

Minimum Amount to Open . . . $ 50.00
Minimum Amount to Earn Annual Percentage Yield . . . $ 0.01
Check Orders First set of 30 checks FREE* Varies by style
Debit/ATM Card** FREE
Annual Percentage Yield Variable
Method of Compounding Monthly
Monthly Maintenance Service Charge . . . $ 10.00
Waive Monthly Maintenance Service Charge
Maintain Minimum Average Daily Balance
. . . $ 5,000.00

Commercial Analysis Checking

Minimum Amount to Open . . . $ 50.00
Minimum Amount to Earn Annual Percentage Yield . . . $ 10.00
Debit/ATM Card FREE
Per Debit check or ACH . . . $ .15
Per Credit deposit or ACH . . . $ .50
Per Deposited Item . . . $ .08
Earnings Credit Allowance   Variable

Business Money Market

Minimum Amount to Open . . . $ 50.00
Minimum Amount to Earn Annual Percentage Yield . . . $ 50.00
Tiered Annual Percentage Yield Variable
The higher your balance, the higher your rate!
                  $        50.00 - $ 1,499.99
                        $ 10,000.00 - $49,999.99
                        $ 50,000.00 - $99,999.99
Excess Transaction Fee*** . . . $ 10/item
 

*Future check order prices vary by style.
**Middlesex Federal Savings will not charge a fee for using another institution's ATMs, up to five withdrawals and five transfers per statement cycle. ATM surcharge fees imposed by other institutions at non SUM network locations may apply. Middlesex Federal Savings will credit up to three ATM surcharges assessed by other institutions per statement cycle when presented with qualified receipts. SUM is a registered trademark of NYCE Payment Network, LLS.
*** Statement Savings, Super NOW, Money Market, and Business Money Market accounts limited to six transactions per statement cycle, in any combination of transfers from this account to another account with Middlesex Federal Savings or to a third party by means of preauthorized, automatic or telephone transfer, or by check, draft, debit card, online transaction, or similar order.