ECU Credit Union

Schedule of Service Fees and Charges

Saving / Membership Account

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


ChristmasClubSavingAccount

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


MoneySaversSavingAccount

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 Fee
$5.00
Per Month Bal Below $25
Check Orders
Varies
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
Withdrawal or Transfer
4 Free per Month
$2.00 Per Additional Item
Balance Inquiry at ATM
4 Free per Month
$2.00 Per Additional Item
Point of Sale (POS at Checkout)
4 Free per Month
$0.25 Per Additional Item
Debit Card Using “Credit” Option
Unlimited
No Fee


Internet Online Banking Virtual Branch

Internet Banking
FREE
No Charge
Bill Pay Service
FREE
No Fee
   Bill Pay Service Inactive Fee
$5.00
If no Bill Pay Activity a Monthly Fee
eStatements
FREE
No Charge
Mobile Money
FREE
No Charge requires eStatements


Nonsufficient Fund Items*

Overdraft Protection Auto
Transfer from Share Acct
$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


Lending Services

Application Fee
$25.00
Per Applicant
Auto Loan Process 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
$20.00
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:
  ACH – Phone Pmt Request
$10.00
Per Item (Made on Phone)
 ACH Out Going Credit
$2.00
Per Item
  Same Day ACH
$5.00
Per Item
Account Closed Early Fee
$15.00
Per Account
Account Research
/Reconciliation Fee
$25.00
Per Hour (1 Hour 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
Month
Escheatment
$100.00
Per Account
Foreign Item Collection
$10.00
Per Item
Garnishments, Levies,
Legal Notices
$50.00
Per Item
Gift Card Issuance Fee
$3.00
Per Card
Items Sent for Collection
$25.00
Per Item
Non‐Member Check Cashing
$3.00
Per Item
Overnight Mail
Varies
Contact ECU for Pricing
Returned Deposited Item
$15.00
Per Item
Returned Deposit or Payment
(item issued by member)
$30.00
Per Item
Teller Check to a Third Party
$1.00
Per Check
Verification of Deposit Fee
$10.00
Per Item
Wire Outgoing Fee Domestic
$20.00
Per Wire
Wire Outgoing Late Domestic
$20.00
Per Outgoing Wire After Cutoff
Wire Incoming Domestic
$10.00
Per Incoming Wire
Wire Incoming Foreign
$10.00
Per Incoming Wire

 

*Fee(s) imposed for overdrafts by checks, in‐person withdrawals, ATM withdrawals, or by other electronic means, as applicable.
**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 accountholder 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.

Effective July 1, 2020

Convenience at your fingertips!

Your ECU Visa® Platinum card can be used to purchase that special outfit, to take that well-earned vacation or to manage your everyday expenses, and you can earn ScoreCard® Reward points with every transaction.  Whatever your needs are, our Visa Platinum card can help you achieve your financial goals.

Woman using credit card online
  • Low 2.99% APR* Introductory Rate
  • Fixed Rate
  • No Annual Fee
  • No Cash Advance Fee
  • Accepted anywhere with Visa logo

*Qualification is based on individual creditworthiness and our underwriting standards. Rates, terms and conditions are subject to change at any time without notice.

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Membership

Our members are part owners and have a say in how the credit union is run. Stop by one of our offices or apply online and join ECU today.

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Home Loans

ECU combines a full line of second mortgage options, quick turnaround, highly competitive rates and low fees with friendly, knowledgeable, personalized Credit Union service.

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