Skip to content


Monthly Fees


Now Checking Account Balance falls below $400.00 in the dividend period (members are exempt from this charge if full payroll is deposited with the Credit Union)
$5.00 per month
Members maintaining a single account relationship with a balance of $5.00 or less per month
$1.00 per month


Checking, Money Market and Share Account Related Fees


Items Returned for Insufficent Funds (NSF)
$25.00 each*
Items Paid for Overdrafts
$25.00 each*
Items Returned for Uncollected Funds
$25.00 each*
Overdrafts Paid from Your Share Account
$5.00 each*
Excessive Transaction Fee from Share or Money Market Account
$5.00 each
Check and ACH Stop Payments
$25.00 each
Copy of Checks
$5.00 each
Returned Items Deposited (1)
5.00 each
Check Printing and Supplies
Fees Vary

* Fees apply to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means

(1) Or, as established from time to time by the Commissioner of Banks


Electronic Banking Fees


Withdrawals at Non-MBCU ATM locations
(6 free Non-MBCU ATM Withdrawals per month) (2)
$1.00 each
ATM or Debit Card Replacement
$10.00 per card
Rush ATM/Debit Card Fee
$75.00 per card

(2) If you initiate a transaction at an ATM not operated by Mass Bay Credit Union, a surcharge may be applied by that operator and/or by an automated transfer network.


General Account Related Fees


Christmas Club Early Withdrawal
$10.00 per withdrawal
Abandoned Property Processing
Copy of Statement
$5.00 each
Share Checks
(Golden Rail Members over 65)
$3.00 each
($1.00 each)
Money Orders (Max amount of $500.00 per check)
(Golden Rail Members over 65)
$2.00 each
($1.00 each)
Outgoing Wire Transfers
Domestic (Only)
$25.00 each
Incoming Wire Transfers
$10.00 each
Research Fee (1 Hour Minimum)
$25.00 per hour
Statement Returned for Incorrect Address
$5.00 each
Government Levy
Trustee Attachment or Other Legal Service
Skip to Navigation