ECU Credit Union Schedule of Service Fees and Charges

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Share Accounts

Fee description Amount Frequency
Below minimum balance fee $5.00 Monthly
Withdrawals 
(over 2 Per month)
$2.00 Per additional withdrawal
Home Banking (BankIt) No Fee  

Share Draft Accounts

Fee description Amount Frequency
Below minimum balance fee $5.00 Monthly
Check orders See price list    
Additional temporary checks $2.00 Per order
Copy fee (share draft) $3.00 Per copy - mailed or faxed
     
Negative draft $25.00 Per draft
Returned check $25.00 Per check
Courtesy Pay Paid Overdrafts $25.00 Per item
Overdraft Protection Auto Transfer from Share Acct

(3 per month)

$3.00 Per item
Stop payment $15.00 Per item
Stop payment for lost or stolen checks 
(series: one check or a consecutive grouping of checks.)
$25.00 Per series
   
Bill Payment (PayIt) with 
Home Banking (BankIt) 
$7.00
.20
Monthly which includes 10 payments
per payment over 10

Money Savers Account

Fee description Amount Frequency
Withdrawals
(over 3 per month)
$2.00 Per withdrawal over 3 per month

Loans

Fee description Amount Frequency
Application $20.00 Per applicant
Collateral Protection Insurance reversal $100.00 Per forced placement
Late fee $20.00 Per occurrence
Home Equity late fee  $20.00 Per occurrence
NSF loan payment $20.00 Per item

ATM Fees

Fee description Amount Frequency
ATM - 4 transactions a month 
(withdrawals or transfers)
no fee $2.00 Per additional transaction
ATM - 4 balance inquires a month no fee $2.00 Per additional inquiry
ATM - 4 point-of-sale (POS) transactions a month no fee $0.25 Per additional POS transaction
ATM negative transaction fee $25.00 Per occurrence
ATM lost or stolen hot card $10.00 Per card

Debit Card / Check Card Fees

Fee description Amount Frequency
4 withdrawal or transfer transactions a month no fee $2.00 each additional transaction
4 balance inquires a month no fee $2.00 Per additional inquiry
4 point-of-sale transactions a month no fee $0.25 each additional transaction
Using your debit card as a credit card no fee Unlimited transactions
Please remember to use the credit card option whenever possible.
Debit MasterCard Recurring Payment Cancellation

(Stop Payment Service-RPCS)

$35.00 Per item
Lost or stolen hot card $10.00 Per card
Non-sufficient funds $25.00 Per occurrence

Miscellaneous

Fee description Amount Frequency
ACH Origination Fee (one time phone payments only) $10.00 Per payment
Account Closed Early Fee $15.00 Closed within 6 months of opening date
Account research /reconciliation
(1 hour minimum)
$25.00 Per hour
Bad address fee $5.00 Per returned item
Cashier check $3.00 Per check
Copy of account history $1.50 Per occurrence per account
Copy of Cashier Check $3.00 Per check
Copy of an official credit union check issued $3.00 Per copy
Copy of statement $3.00 Per statement
Credit report pulled for debit card 
(by member request) 
$5.00 Per report
Dormant account
(2 years of inactivity)
$5.00 Monthly
Gift Vantage Gift Card Issuance Fee $3.00 Per card
Gift Vantage Gift Card Re-Loading Fee $2.00 Per occurrence
Items sent for collection $25.00 Per item
Mail receipt $0.50 Per receipt
Non-sufficient funds of an ACH
(Automatic Debits to Account)
$25.00 Per occurrence
Non-Member Payroll Check Cash Fee $3.00 Per check under $1,000
Stop Payment fee of an ACH
(Automatic Debits to Account)
$15.00 Per item
Overdraft fee of an ACH

(Automatic Debits to Account)

$25.00 Per item
Outgoing Wire $15.00 Per wire
Outgoing Wire Fee after 2:00 p.m. Eastern Time $30.00 Per wire
Overnight Mail (Rural Areas excluded)

Weekday Delivery - DHL Express or US Postal

$20.00 Each

Saturday Delivery - DHL Express or US Postal

$35.00 Each
Returned deposited item $15.00 Per item
Returned personal deposited item $20.00 Per item
Teller Check to a Third Party $1.00 Per check
Visa late Fee $20.00 Monthly
Visa over limit fee $20.00 Per statement
Visa lost card fee $5.00 Per card
Visa statement copy $3.00 Per statement
Visa returned check $20.00 Per check

Important Notice

Since 1982, the Internal Revenue Service (IRS) has required bank depositors to certify their correct tax identification number (SSN) to their bank (s). It is also now the responsibility of banks to ensure that interest paid on deposits is reported to the IRS with the correct SSN. To assist in this joint responsibility, please verify that the SSN appearing on any documents that you receive from ECU Credit Union is correct. If the SSN is correct, no action is required, if it is incorrect, please notify your branch as soon as possible.

 

Thank you for your cooperation and for allowing ECU Credit Union to service your financial needs.

Please send suggestions or comments to:
  ECU Credit Union

We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act.

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This credit union is federally insured by the National Credit Union Administration.  Your savings are federally insured up to $250,000 by the National Credit Union Administration, a U.S. Government Agency.

 

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