55 Plus Checking 55 years of age or older. Minimum opening balance – $100.00. Monthly service charge – $6.00, waived with average daily balance of $500.00. Free 55 plus checks (standard) – one box per year. Free online bill pay, internet banking. Checks are not returned with monthly statement. Mohave Community Federal Credit Union’s routing number: 322172221 Submit your online application by clicking on the applications tab on the left side of this page.
Basic Share Draft Minimum Opening Balance – $100.00. Monthly service charge – $6.00, waived with average daily balance of $500.00. Free online bill pay, internet banking. Checks are not returned with monthly statements. Mohave Community Federal Credit Union’s routing number: 322172221 Submit your online application by clicking on the applications tab on the left side of this page.
Business Share Draft Minimum opening balance – $100.00. Monthly service charge – *$16.00, monthly service fee of $16.00 waived when $1,000 daily balance is maintained. Unlimited check writing. Checks are not returned with monthly statements, available via Internet through your online banking at no charge. Mohave Community Federal Credit Union’s routing number: 322172221 Submit your online application by clicking on the applications tab on the left side of this page.
Share Savings Account Mohave Community Federal Credit Union offers several options for earning a good return on your savings. Our rates are always competitive. Call or stop by today for current rates. Every member of MCFCU has a Regular Share (Savings)Account. It represents your “share” of ownership in the credit union, and it requires that a minimum balance of $50.00 be maintained at all times to keep your membership open. Dividends are calculated daily and paid quarterly. One time membership fee of $5.00. Balance above $50.00 may provide automatic overdraft protection for checking account. Mohave Community Federal Credit Union’s routing number: 322172221. Submit your online application by clicking on the applications tab on the left side of this page.
Mohave Youth Account Minimum opening balance – $5.00. Must be between the age of 1 to 18 years old. Requires adult joint ownership. If you exceed six withdrawals per calendar month you will be charged $6.00 per withdrawal. Mohave Community Federal Credit Union’s routing number: 322172221. Submit your online application by clicking on the applications tab on the left side of this page.
Vacation Club Account Start Saving TODAY for your much needed vacation, tomorrow! No monthly service charge. No minimum balance required. Dividends will be credited to your account every quarter. If you exceed six withdrawals per calendar month you will be charged $6.00 per withdrawal. Mohave Community Federal Credit Union’s routing number: 322172221. Submit your online application by clicking on the applications tab on the left side of this page.
The holidays are fast approaching! Start saving TODAY! No minimum balance requirements to apply. Withdrawals before November 1st will be assessed a $25.00 early withdrawal fee. Save for the holidays. No monthly service charges. Dividends will be credited to your account at maturity holiday. Mohave Community Federal Credit Union’s routing number: 322172221. Submit your online application by clicking on the applications tab on the left side of this page.
Money Market Saver Minimum opening balance $1,000.00. Monthly service charge (based on daily balance below $1,000.00) $12.00. There can be no more than three checks per statement cycle. Each check in excess of three will incur a fee. *** $10.00 This account offers a dividend bearing checking account to individuals or businesses. ***If these restrictions are not complied with, the credit union can Mohave Community Federal Credit Union’s routing number: 322172221. Submit your online application by clicking on the applications tab on the left side of this page. Once submitted a Mohave Community Federal Credit Union Representative will contact you.
Schedule of Fees & Charges 55 Plus Checking
Once submitted a Mohave Community Federal Credit Union Representative will contact you.Basic Share Draft
Once submitted a Mohave Community Federal Credit Union Representative will contact you.Business Share Draft
Once submitted a Mohave Community Federal Credit Union Representative will contact you.Share Savings Account
Once submitted a Mohave Community Federal Credit Union Representative will contact you.Mohave Youth Account
Once submitted a Mohave Community Federal Credit Union Representative will contact you.Vacation Club Account
Once submitted a Mohave Community Federal Credit Union Representative will contact you.Holiday Club Account
Holiday Club Account
Once submitted a Mohave Community Federal Credit Union Representative will contact you.Money Market Saver
reclassify the account to a regular checking account without notice to the member.Fees & Charges
Effective: March 18, 2022
Share Draft/Checking Account Fees
Fee Amount
Account Type
Basic Checking
$6.00/month
Waived With Average Daily Balance of $500.00
Business Checking
$16.00/month
Waived with $1,000.00 Minimum Daily Balance
Money Market Saver
$16.00/month
Waived with $1,000.00 Minimum Daily Balance
Account Maintenance
Fee Amount
Fee Description
Return Mail Fee
$5.00
Insufficient Funds Charge-Returned
$35.00
(this includes VISA Debit Card, ACH, Bill Pay, and other related devices)
Uncollected Funds Charge
$35.00
(this includes VISA Debit Card, ACH, Bill Pay, and other related devices)
Overdraft Protection Transfer Fee
$5.00 per transfer
(from Line of Credit)
Deposited Checks Returned – 3rd Party
$25.00
Deposited Checks Returned
$30.00
(Member Account at Another Institution)
Stop Payments (per item)
$35.00
includes member check, teller check, bill pay and ACH
Legal Processing
$100.00
(garnishment, levy, etc.)
Forced-Place Collateral Protection Insurance
$50.00
Holiday Club Early Withdrawal Fee
$25.00
Account Reconciling Fee
$25.00
(per hour-minimum one hour)
Debit Card Fees
Fee Amount
Fee Description
ATM Transaction Fee
None
(MCFCU ATM)
Balance Inquiry
$0.50
(at foreign ATM’s)
ATM Withdrawal
$2.00
(after 6 per month at foreign ATM’s)
Replacement for lost or damaged card
$12.00
Rush Order – Replacement
up to $150.00
Credit Card Fees
Fee Amount
Fee Description
Credit Card Annual Fee
None
Credit Card Late Payment Fee
Up to $30.00
Credit Card Return Payment Fee
Up to $30.00
Wire Transfers
Fee Amount
Fee Description
Incoming
$20.00
Outgoing
$30.00
International
$50.00
Miscellaneous Member Services
Fee Amount
Fee Description
Initial Membership Entrance Fee
$5.00
Account Reconciling Fee
$25.00 per hour
(min one hour)
Statement Copy Fee
$8.50
(per statement)
Official (Teller) Checks
$5.00
Official Check Stop Payment
$35.00
(lost, stolen, or destroyed)
Dormant – No activity for one year
$15.00/quarter
Telephone Inquires by Teller
$2.00
Telephone Transfers by Teller
$3.00
Account Closed Within 90 Days of Opening
$15.00
Excessive Share Withdrawals
$6.00
(over 6 per month)
International Collections
$25.00
Incoming/Outgoing
Plus any additional fees assessed by the other financial institution
Non-Member Check Cashing Fee
$6.00
Loan Payment Using Debit/Credit Card
3.5% of overall payment
Loan Payment Using Check by Phone
$5.00
Notary Service (Member)
$7.00 per stamp
Fax Service
$8.00
Duplicate Lien Release
$6.00
Domestic Collections
$15.00
(Incoming/Outgoing)
Plus any additional fees assessed by the other financial institution
IRA Set-Up Fee
$12.00
IRA Transfer/Closeout Fee
$25.00
(per transaction)
Account Research Fee
$25.00
Check Copy Fee
$15.00 per check
Indirect Lending Processing Fee
$30.00
Loan Application Fee
None
Escheat Fee
$50.00
(After Three Years of Inactivity)
Verification of Deposit
$15.00
Loan Extension Fee
$25.00
Virtual Branch Login
Checking & Savings Accounts
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ROUTING NUMBER 322172221
For Wiring Information Please Contact Us at 928-753-8000
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