EECU will close at 5 p.m. on Tuesday, March 12 for an All Employee Event.
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Effective November 1, 2023

Online Services
Bill Pay FREE
Mobile Banking FREE
Online Banking FREE
Online Statements FREE
Checking/Savings Accounts
Access Checking Service Charge $10.00
Money Market Checking Service Charge (if balance falls below $2,500) $10.00
Real Worth® with Interest Service Charge (if balance falls below $1,000) $5.00
Value Added Extras $6.75
Administration Fee (if closed within 90 days) $10.00
Account Services
Check/Debit Card Replacement $5.00
Check Printing Varies
    Temporary Checks (4 per page) $2.00
Overdraft Fee
(A fee will be assessed each time an item or transaction is presented for payment against an insufficient available balance1. There is no limit on the total number of overdrafts or fees charged for overdrawing your account. An overdraft fee will not be charged for an item or transaction of $1.00 or less.)
$34.002
Overdraft Transfer Fee (from Savings, Checking or Line of Credit)
(If enrolled, a fee will be assessed each time an item or transaction is presented for payment against an insufficient available balance.)
$3.002
Nonsufficient Funds (NSF)
(An item or transaction may be presented multiple times for payment. Each presentment of the same item or transaction will be charged a separate NSF fee when presented for payment against an insufficient available balance and returned. There is no limit on the total fees charged for such re-presentments. In the event an item or transaction in amount of $1.00 or less is presented for payment against an insufficient available balance and returned, an NSF will not be charged.)
$34.003
Mailed Paper Statement Fee for  
    Personal Checking Account $2.00
    Health Savings Account FREE
Single Financial Product Fee (per month) $5.004
Statement Copy $3.00
Stop Payment $34.00
Account to Account (A2A) Transfer
(*Overdraft and NSF fees still apply even though the electronic service itself may be free to use.)
FREE*
Person to Person (P2P) Transfer (e.g., Zelle)
(*Overdraft and NSF fees still apply even though the electronic service itself may be free to use.)
FREE*
ATM Services
ATM Account Inquiry (no charge for EECU, CO-OP, or Allpoint® ATMs) $0.502,5
ATM Withdrawal (no charge for EECU, CO-OP, or Allpoint® ATMs) $3.002,5
Credit Card/Loan Services
Skip-A-Payment Fee 10% of monthly pmt.,
(min. $5.00/max. $50.00)
Telephone Payment Fee (ACH) $5.00
Credit Union Services
Cashier's Check (minimum issue $1,000) $3.00
Collection Fee (minimum) $10.00
Extensive Research Fee (per hour) $15.00
International Wire Trace $15.00
Legal Process Fee (e.g. garnishment, levy) $100.00
Member Service Inquiry $2.006
Returned Mail Fee (incorrect address; per account) $5.00
Visa Gift Card $2.50
Visa Reloadable Debit Card (ATIRAreload) $4.95
Wire Transfer: Incoming (per wire) $15.00
Wire Transfer: Outgoing (Domestic) $20.00
Wire Transfer: Outgoing (International) Varies
Safe Deposit Boxes
Safe Deposit Boxes 3x5 $25.00
5x5 $30.00
3x10 $35.00
5x10 $55.00
10x10 $95.00
Safe Deposit Drill Fee Varies

Note: Certain account types may result in waived or reduced fees and/or lower minimum balance requirements to earn dividends/interest.

1 Available balance is the most current record we have about the funds that are available for your use or withdrawal. It includes all deposits and withdrawals that have been posted to your account, then adjusts for any holds on recent deposits, and any pending transactions that are known to the credit union. This balance may not reflect all of your transactions, such as checks you have written or debit card transactions that have been approved but not yet submitted for payment by the merchant or payee.

2 Our Standard Overdraft Protection is automatically added to eligible checking accounts at account opening. Fees will be imposed for overdrafts created, for example, by checks, in-person withdrawals, Bill Pay, ACH transactions, or by other electronic means. No overdraft fee will be assessed on ATM and everyday (one-time) debit card transactions unless your account is enrolled in (i.e., you have opted-in) our Courtesy Overdraft Protection. If your account is not enrolled in Courtesy Overdraft Protection and there is not enough available money in your checking account or accounts linked for overdraft protection, your ATM and everyday (one-time) debit card transactions will be declined. A fee will not be charged for such declined transactions. Recurring debit card payments and other transactions, such as checks, Bill Pay, or ACH transactions, may continue to be authorized into overdraft at our discretion if there is not enough available money in your account and regardless of whether your account is enrolled in Courtesy Overdraft Protection. The payment of transactions into overdraft is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is overdrawn, or you have had excessive overdrafts. You must promptly bring your account to a positive balance. You may opt-out of our overdraft services by contacting the credit union.

3 Fees will be imposed for NSFs created, for example, by checks, Bill Pay, ACH transactions, or by other electronic means. EECU has no control over when, or the number of times, a merchant or payee may present an item or transaction for payment.

4 Fee is incurred when a member (age 21+) has a single savings account with a balance less than $100 for 90 consecutive calendar days.

5 This fee is in addition to any fees that an ATM owner may charge. If a subsequent transaction is performed, additional fees may apply.

6 Not applicable when telephone banking service is unavailable or not appropriate.

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