Fee Schedule
Savings/Share Accounts
| Savings/Share Accounts | Min. Opening Deposit | Min. Balance to Avoid Monthly Service fee | Monthly Service Fee | Quarterly Withdrawal Limits | Excessive Withdrawal Fee | Monthly 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 Accounts | Min. Opening Deposit | Min. Balance to Avoid Service Fee | Monthly Service Fee | Monthly 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 Accounts | Min. Opening Deposit | Min. Balance to Avoid Monthly Service fee | Monthly Service Fee | Monthly Withdrawal or Transfer Limits | Excessive 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
| Type | Fee |
|---|---|
| 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
| Type | Fee |
|---|---|
| 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
| Type | Fee |
|---|---|
| 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
| Type | Fee |
|---|---|
| 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
| Type | Fee |
|---|---|
| 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
| Type | Fee |
|---|---|
| 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 |