Meritrust overdraft fee is $29.00
By Karla CastroUpdated October 28, 2026
Meritrust Credit Union's consumer fee schedule dated 18 May 2026 prints a $29.00 overdraft fee for checks, ACH, and debit cards. A transaction of $5.00 or less is waived. The wider table is US overdraft fees by bank.
Monthly fee by account
Opened 28 October 2026. Amounts below are US dollars. The consumer fee schedule is dated 18 May 2026. Standard Checking is $3.00 a month, waived with eStatements. It is also waived if you are 65 or older and the primary member, a trustee, or an executor, even without eStatements. Perks Checking is $7.00 a month. Premium Perks charges $10.00 when the average daily balance for the statement cycle is below $2,500.
A paper statement or a printed statement copy is $5.00 per month. The [fee rates page](${MERITRUST_PAGE}) says its list is effective 1 March 2026 and prints the same $29.00 overdraft lines. Use the document that matches the date on your statement. The reading guide is US bank fee guides. The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Account | Monthly charge | Where that figure is printed |
|---|---|---|
| Standard Checking | $3.00 | Waived with eStatements, or at age 65 and older in the cases the schedule names |
| Perks Checking | $7.00 | Fee schedule |
| Premium Perks | $10.00 | Charged when the average daily balance is below $2,500 |
Overdraft, wires, and other fees
An overdraft or non-sufficient funds fee from a check, an on-us check cashed in a branch, or an ACH item is $29.00. The debit card line is also $29.00, and you may opt out. Both lines waive the fee when the transaction is $5.00 or less. The [Courtesy Pay page](${MERITRUST_COURTESY}) says a covered item is $29.00, at most five fees a day, and that Meritrust does not assess the fee unless the available balance is more than $29.00 below zero.
A stop payment is $32.00. Checks are free to stop in online banking and the mobile app. ACH is not included in that free line. An incoming domestic wire and an incoming international wire are $15.00 each. An outgoing domestic wire is $25.00. An outgoing international wire is $50.00. A Visa debit or credit transaction in a foreign country is 0.80% when it is in U.S. currency and 1.00% when it is not. The schedule does not print a non-Meritrust ATM dollar. The monthly list is US monthly checking fees by bank. A yearly total from numbers you type is on the bank fee calculator. It does not look up this institution.
Questions
- How much is a Meritrust overdraft fee?
- The 18 May 2026 schedule prints $29.00 for a check or ACH overdraft and $29.00 for a debit card overdraft. A transaction of $5.00 or less is waived. Courtesy Pay says the daily cap is five.
- How much is Meritrust Standard Checking?
- The schedule prints $3.00 a month, waived with eStatements. Perks Checking is $7.00 a month.
- How much is a Meritrust wire?
- An incoming wire is $15.00. An outgoing domestic wire is $25.00. An outgoing international wire is $50.00. The schedule does not print a non-Meritrust ATM dollar.