REGULAR SHARE SAVINGS ACCOUNT
Minimum balance to open and retain membership is a $5 share in the Credit Union, and a valid address.
$5 Monthly service charge for an invalid address.
MONEY MARKET - SHARE DRAFT ACCOUNT
No limitation on transfers or withdrawals in person.
No charge for standard Money Market Checks.
An $10 monthly service charge will be accessed if the daily balance falls below $2,500 anytime during the
month. If more than 3 checks per month are written, a charge of $10 per check will be assessed.
CHECKING PLUS - SHARE DRAFT ACCOUNT
A $9 monthly service charge will be assessed if the daily balance falls below $500 anytime during the month.
No monthly service charge for Student Members, ages 18 to 23, and Senior Members, ages 55 and over
regardless of balance. Proof of student status and age will be required.
Tiered dividend rates paid on balances above $500.
Minimum deposit to open is $15.
SMART CHECKING - SHARE DRAFT ACCOUNT
$13 monthly service charge.
No dividends paid on this account.
No ECU charge for 8 ATM transactions per month. ECU will charge $1 per transaction over 8.
ATM owners may impose a surcharge on any ATM transaction.
Three free orders of 150 ECU Club Checks annually. Only one box may be ordered at a time.
If check orders are for any style other than the ECU Club Checks, the Member will be charged the full price.
PREMIER CHECKING – SHARE DRAFT ACCOUNT
Three free orders of 150 ECU Club Checks annually. Only one box may be ordered at a time. The Member
will be charged the full price for all orders other than ECU Club Checks. Premier Checking Account will
be converted to a Checking Plus Account if the $2,500 in ECU savings/loan relationship is not
maintained. See Checking Plus account for specific charges and fees. $15 minimumdeposit to open.
No ECU charge for 8 ATM transactions per month. ECU will charge $1 per transaction over 8.
ATM owners may impose a surcharge on any ATM transaction.
LIMITED CHECKING – SHARE DRAFT ACCOUNT
$9 monthly service charge if the daily balance falls below $500 any time during the month.
No dividends paid. $15 minimum deposit to open.
ACH AUTOMATIC PAYMENTS
Members may have non-ECU payments drafted from their ECU accounts for payments due others;
such as mortgage, insurance, utilities, etc. Members must initiate this service directly with the
company involved. If funds are not available, a $27 ACH NSF Fee will be charged.
ECU VISA CHECK (DEBIT) CARD and ATM CARD
Member must meet ECU minimum requirements for ATM or Debit Card issuance. Debit Cards
can be used for ATM transactions. Limitation of one savings account and one checking
account per card issued. Line of Credit access for Overdraft Protection is available,
subject to credit approval.
*Cards issued only to adults (18 or over)
A daily dollar limit may be imposed on VISA Check Card purchases.
ATM Machine/Network limit of $500 during a 24-hour period.
Initial Card is free – Additional Cards ------------------------ $ 5
Card Replacement Fee ------------------------------------------ $ 5
PIN # Replacement Fee ----------------------------------------- $ 5
ATM Transaction/Inquiry/Transfer ----------------------------- $ 1
Reinstate Card Privilege after Overdraft --------------------- $ 5
(Privileges will not be reinstated after the 4th reinstatement)
NSF Fee ------------------------------------------------------------- $ 27
ATM owners may impose a surcharge on any ATM transaction.
PAYROLL DEDUCTIONS/DEPOSITS/TRANSFERS
Member can start/stop/change payroll deductions for the purpose of share/savings deposits.
Such deductions remain in effect until canceled in writing by member, ECU may start or
change payroll deductions/deposits/transfers for loan payments as allowed under loan documents.
OTHER ECU FEES
If funds, which do not belong to the account holder, are deposited into an account, those funds
will be withdrawn by ECU and returned to the sender/depositor of said funds.
Account Closing within 90 days of opening ---------------------$15
Account Activity Printout -----------------------------------------------$ 3
Account Reconciliation -----------------------------------------------$25 per hour*
Account Research------------------------------------------------------$25 per hour*
*(1 hour minimum). If reconciliation or research was necessary because of an ECU error
the service is free.
ACH NSF Fee -----------------------------------------------------------$ 27
Teller & Cashier’s Check Fee --------------------------------------$ 3
Check posted manually--due to faulty printing - $1 per check, if checks not purchased through ECU.
Check Printing Fees – Prices vary depending on the style ordered.
Collection of ECU Check (By Mail Only) -------------------------$ 25
Copy of Member Check
$1 per copy through Home Banking
$2 per copy, if tracer number furnished
$3 per copy, if tracer number not furnished
Copy of statement ------------------------------------------------------$ 5 per statement
Copy of Transaction Item ---------------------------------------------$ 5
Dormant Account Annual Fee ---------------------------------------$20
Bad Address Monthly Fee --------------------------------------------$ 5
Draft (check) NSF Fee -------------------------------------------------$27 per draft
Excessive Account Inquiries to Member Services ----------------2 per week
Facsimile -- $2 for 1st page, $1 each additional page
Overnight Delivery (Monday through Friday) ---------------------$20
Saturday Delivery --------------------------------------------------------$40
Deliveries to Puerto Rico ----------------------------------------------$50
(All Delivery charges MUST be deducted from account prior to mailing)
Garnishments or Levies ----------------------------------------------$25
Overdraft Protection Transfer ------------------------- No Charge
Member must sign an Overdraft Protection Form on each checking account to cover potential
overdrafts. Transfers to cover overdrafts may only be taken from one account, not combinations
of checking, savings or line of credit loans. Transfers from lines of credit are done in $100 increments.
Returned Deposit Check---------------------------------------------$ 5
Stop Payment -- Verbal stop payment will be accepted and is good only for 14 days. Written
authorization is required and must be received within 14 days of oral notification. Written stop
payment orders are good for 6 months and must be re-authorized in writing by Member after
that time with additional Stop Payment Fee, if Stop Payment is to continue in effect.
Stop Payment Fee per check/draft -------------------------------$27
Visa Travelers Cheques - Individuals $1 per $100
Wire Transfer
Outgoing to another bank--------------------------------------------$17
Incoming to ECU-------------------------------------------------------$14
International Wire------------------------------------------------------$40
Each Christmas or Vacation Club Account
withdrawal before Distribution------------------$5
EASY CALLER ACCESS – 24 HOUR TELLER
Available at no charge to you for inquiries, transfers, or withdrawals by check.
Call 615-367-7283 for PIN number.
ALL CHARGES AND FEES ARE SUBJECT TO CHANGE.
Deposits are Federally Insured by NCUA, National Credit Union Administration,
an agency of the U.S. Government.
Effective 2-1-05 |
