ECU Schedule Of Service Fees & Charges

Certain charges are subject to change without notice.  Effective March 17, 2020
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Share Saving / Membership Account

Below Minimum Balance
$5.00
Per Month Bal Below $25
Withdrawals over 2 per month
$2.00
Per Withdrawal
Paper Statement Fee
$1.00
Per statement

Christmas Club Savings Account

Early Withdrawal (1/31 to 9/30)
$5.00
Per Withdrawal

Money Savers Savings Account

Withdrawals over 3 per month
$2.00
Per withdrawal

Individual Retirement Account (IRA)

IRA Inactive Fee (assessed after 12 months of no activity)
$5.00
Per Month
IRA Outgoing Transfer
$25.00
Per Transfer

Share Draft Checking Account

Below Minimum Balance
$5.00
Per Month
Check Order
Varies
Contact ECU
​Stop Payment Fee
$30.00
Per Item
Stop Payment Fee on Series 
$30.00
Per series
Stop Payment Debit Card Item
$35.00
Per Recurring Item

ATM and Debit Card

ATM or Debit Replacement
$10.00
Per Card
ATM or Debit PIN Reminder
$3.00
Per Request
Rush Order For Card or PIN
$50.00
Per Request
Usage Fee:
  -
Per Month
Transaction Type
# Free
Each Additional
Withdrawal or Transfer
4
Per Item​
Balance Inquiry at ATM
4
$2.00 Per Item
Point of Sale (POS at Checkout)
4
$0.25 Per Item
Debit Card Using "Credit" Option
Unlimited
No Fee

Non Sufficient Fund Items

Fee(s) imposed for overdrafts by checks, in-person withdrawals, ATM withdrawals, or by other electronic means, as applicable.
Overdraft Protection Auto Transfer from Share Account
$5.00
Per Item
​(only 3 per month allowed)
Returned Overdrafts
$30.00
Per Item
Paid Overdrafts
$30.00
Per Item
*Courtesy Pay Paid Overdrafts
$30.00
Per Item
*NOTE: The Credit Union's Courtesy Pay plan is a non-contractual courtesy and is discretionary.  It is not an obligation of the Credit Union and the Credit Union may refuse to provide the courtesy on any personal checking account at any time and from time to time.  The account-holder does not have a contractual right to Courtesy Pay and payment is not guaranteed by the Courtesy Pay Plan.  To OPT OUT of the Courtesy Pay Plan notify the Credit Union in writing.

Lending Services

Application Fee
$25.00
Per Applicant
Auto Loan Processing Fee
$75.00
Per Occurrence
Collateral Protection Reversal
$100.00
Per Forced Placement
Late Fee
$25.00
Per Payment
Home Equity Origination Fee
.05%
Of Loan Amount, Min $100.00
Home Equity Loan Late Fee
$25.00
Per Payment

Visa Credit Card

Visa Late Fee
$25.00
Per Statement
Visa Over Limit Fee
$25.00
Per Statement
Visa Lost Card Fee
$5.00
Per Card
Visa Statement Copy
$3.00
Per Statement
Visa Payment Returned Check
$30.00
Per Check

Miscellaneous Fees

Automated Clearing House (ACH) Origination:             (Effective 10/17/2017)
  ACH - Phone Payment Request
$10.00
Per Item (Request Made by Phone)
   ACH Outgoing Credit
$2.00
Per Item
   Same Day ACH
$5.00
Per Item
Account Closed Early Fee
$15.00
Per Account
Account Research/Reconciliation
$25.00
Per Hour (1 Hr Minimum)
Bad Address Fee
$5.00
Per Item
Cashier Check Fee
$3.00
Per Check
Copy of Account History
$1.50
Per Occurrence
Copy (Check, Statement)
$3.00
Per Item
Dormant Account Fee (2 Years of No Activity)
​$10.00
Per Month
Escheatment
$100.00
Per Account
Foreign Item Collection
$10.00
Per Item
Garnishments, Levies, Legal Notices
$50.00
Per Item
Gift Cards
$3.00
Per Card
Items Sent for Collection
$25.00
Per Item
Non-Member Check Cashing
$3.00
Per Item
Manual Item Processing
$5.00
Per Item
Overnight Mail
Varies
Contact ECU for Pricing
Returned Deposited Item
$15.00
Per Item
Return Deposit or Payment
​(item issued by member)
$30.00
Per Item
Teller Check to Third Party
$3.00
Per Check
Verification of Deposit Fee
$10.00
Per Item
Wire Domestic Outgoing Fee
$20.00
Per Wire
Wire Domestic Outgoing Late
$30.00
Per Wire (After Cutoff)
Wire Domestic Incoming
$10.00
Per Wire
Wire Foreign Incoming
$10.00
Per Wire

Virtual Branch Internet Online Banking

Virtual Branch Internet Banking
-
No Charge
Internet Bill Pay Service
-
No Fee
     Bill Pay Service Inactive Fee
$5.00
If no Bill Pay Activity a Monthly Fee
eStatements
  -
No Charge
Mobile Money 
-
No Charge with eStatments
TouchBanking App
-
No Charge requires Virtual Branch
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 are 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 serve your financial needs.