Fee Schedule

Savings/Share Accounts
Savings/Share AccountsMin. Opening DepositMin. Balance to Avoid Monthly Service feeMonthly Service FeeQuarterly Withdrawal LimitsExcessive Withdrawal FeeMonthly Transfer Limits
Regular share $5.00 None None Three (3) withdrawals per quarter $5.00 per withdrawal Six (6) per month
Moving Forward $5.00 None None Three (3) withdrawals per quarter $5.00 per withdrawal Six (6) per month
Advantage Club $5.00 None None Three (3) withdrawals per quarter $5.00 per withdrawal Six (6) per month
Christmas Club $5.00 None None $5.00 per withdrawal made prior to Nov 1st   Six (6) per month
Club Savings $5.00 None None Three (3) withdrawals per quarter $5.00 per withdrawal Six (6) per month
TEEN Elements of Money $5.00 None None Three (3) withdrawals per quarter $5.00 per withdrawal Six (6) per month
Kids M3 Money Club $5.00 None None Three (3) withdrawals per quarter $5.00 per withdrawal Six (6) per month

Checking/Share Draft Accounts
Checking/Share Draft AccountsMin. Opening DepositMin. Balance to Avoid Service FeeMonthly Service FeeMonthly Transfer Limits
Preferred Checking N/A None None None
Moving Forward N/A Minimum Average Daily Balance of $500 $10.00 None
Advantage Checking N/A None None None
Campus Checking N/A None None None
TEEN Element of Money N/A None None None
Business Checking $100.00 $5,000.00 $10.00 $0.15 per transaction after 100 per month
Organizational Checking $100.00 None None None

Money Market Accounts
Money Market AccountsMin. Opening DepositMin. Balance to Avoid Monthly Service feeMonthly Service FeeMonthly Withdrawal or Transfer LimitsExcessive Withdrawal Fee
Money Market Acct $2,500.00 $2,500.00 $10.00 Six (6) per month $5.00 per withdrawal
Money Max Account $10,000.00 $10,000.00 $10.00 Six (6) per month $5.00 per withdrawal
Diamond Account $50,000.00 $50,000.00 $10.00 Six (6) per month $5.00 per withdrawal

Account Fees
TypeFee
Membership Early Closure Fee if closed within six (6) months of opening $5.00
Dormant Fee - after 12 months inactivity $5.00
NSF Fee $35.00/per item
Overdraft Privilege Fee $33.00/per item
Overdraft Transfer Fee $5.00/per item
Return Item Fee $30.00/per item
Stop Payment Fee $30.00/per item
Levy, Garnishment, Processing $75.00
IRA Rollover Fee $10.00

Audio Express/Online Banking
TypeFee
Telephone Transfer/Audio Response Free
Telephone Transfer/by EACU Associate $10.00
Online Banking Free
Bill Pay Free
Bill Pay ACH Debit NSF $35.00
External Transfers (From FI to FI) Free
Expedited Payments - Same Day $9.95/each
Expedited Payments - Overnight Check $25.00/each

Business Accounts Only
TypeFee
Night Deposit Bag $15.00 per bag
Night Deposit Processing $3.00 per bag
Rolled Coins - Deposit $ .10 per roll
Rolled Coins - Provided $ .10 per roll
Currency Ordered $ .25 per 100

Debit/ATM Card Related Fees
TypeFee
Nonproprietary ATM Withdrawal $1.00 per transaction
Nonproprietary ATM Transfer $1.00 per transaction
Nonproprietary ATM Balance Inquiry $1.00 per transaction
Card Replacement Fee $10.00
International Transaction Fee 1% of Transaction
International ATM Withdrawal $1 + 1% Conversion Fee PLUS ATM Fee
Rush Card Fee $55.50
PIN Change or Reminder FREE

Statement/Document/Research Related Fees
TypeFee
Copy of Check $2.00 per check
     Via E-statements/Online Banking Free
Copy of Statement $5.00 per statement
     Via E-statements/Online Banking Free
Fax Service Fee - includes three (3) pages $5.00
     Additional Page Charge $1.00/page
Quarterly Statements  
     E-statements Free
     Paper Statements
     (members age 62+ exempt from this fee)
$5.00 per quarter
Account Research or Reconciliation Fee $25.00/hour
Bad Address/Returned Statement Fee $5.00 per statement
FedEx Fee $20.00/item

Wire Transfer/Monetary Instrument Related Fees
TypeFee
Domestic Wires  
     Incoming $12.00 per wire
     Outgoing $20.00 per wire
International Wires  
     Incoming $15.00 per wire
     Outgoing $50.00 per wire
Cashier's Check  
     Payable to account owner Free
     Payable to Third Party $5.00 per check
     For Non-Members $15.00 per wire
Foreign Items  
     Foreign Exchange per item plus         costs incurred $15.00
     Purchase Foreign Currency $15.00
     Foreign Items sent for Collection $35.00
Gift Cards $5.00 per item
Money Orders $5.00 per item
Non-Member - cashing a member EACU check $10.00
Temporary Checks $5.00 per page
Loan Payment by debit or credit card $12.00

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