Schedule of Fees

As of January 1, 2010

Account Transactions

• 2-party check deposited or cashed and returned unpaid...$10
• Closed membership within 90 days of opening...$10
• Collection item - incoming...$15
• Collection of a deposited item (processed by third party) - domestic...$15
• Collection of a deposited item (processed by third party) - foreign...Actual cost
• Copy of a corporate check...$3
• Copy of statement...$5 per statement
• Photocopy of deposited item...$3
• Notary Public (non-EECU documents) Members:...$10 for first signature - free thereafter (waived for Golden Owl Members); Non-members: $10 per signature
• Personal check deposited or cashed, loan payment, or credit card payment check returned unpaid...$24
• Processing of levies or liens...$20
• IRA transfer or termination (no charge for transfers to FNIC investment)...$15 (waived for 59½ or older) 
• Corporate withdrawal checks...$2 per check, two free checks per month; and fee waived if payable to the member, a title company, or consumer credit counseling agency. Golden Owl Members - five free per month.
• Research fee for investigative requests (i.e. balance check book)...$20 per hour
• Set up back-up withholding...$10
• Travelers Cheques...No charge for traditional Travelers Cheques. 1% of purchase amount for Travelers Cheques for Two
• Wire tracer...$15
• Wire transfers...$20
• IRNet Money Transfers...Actual Cost

ATM/Visa Check Card

• Special handling...$15
• ATM/Check Card Rush Order...$15
• ATM OptionTeller or OptionTeller Plus Card replacement after 3 cards...$5
• ATM photos at credit union branch locations...$10
• ATM photos at network financial institutions...Actual Cost (approximately $35 - $100)
• ATM Transactions at Network ATMs with some exceptions (waived at all Co-Op Network locations)...$.50 transfers & inquiries; $1.00 cash withdrawals
• International Transaction Fee...Up to 1% of the transaction amount

Checking

• 2nd Chance Checking Monthly Fee...$5
• DBA Checking monthly fee...School Organizations - Free, 0 to 10 transacations - $5 per month, 11+ transacations - $15 per month.
• Copy of check...No charge for first two per statement. $3 each for subsequent copies
• Checks...Prices vary
• Non-sufficient Funds (NSF) Check, ACH, POS, or BillPayer - paid or returned...$24 per transaction, max. four per day. NSF fees over four will be refunded at the end of business day.
• Identify information on a check...$1.50
• Platinum Overdraft Service - Charged for each overdraft item that we pay (includes checks, POS, ACH, and BillPayer transactions)...$24
• Overdraft protection transfer from shares...$3 each transfer (up to six per month; no transfers after six)
• Reinstatement of closed checking account...$10
• Stop payment request on personal check, ACH transaction, corporate check, or convenience check (includes Visa & LOC Drafts)...$15
• Temporary emergency checks (set of 8)...$2.00

Loans

• Redrawing loan documents...$50

Online Access

• eStatement...Free
• BillPay check copy...$20
• BillPay stop payment...$25

Real Estate Loans

• Home Equity Line of Credit annual fee...$25
• Home Equity Line of Credit Application fee ...$125
• Reconveyance fee...Actual Cost (approx. $54 + $3 per page)
• Demand for payoff...$10

Visa Credit Card

• Visa Card replacement...$5
• Visa Card rush order (two days)...$25
• Visa Card rush order (four days)...$15
• Visa Gift Card Purchase...$5 each
• Visa sales slip copy...$12 each
• Visa credit card statement copy...$3
• Visa cash advance...2% of transaction amount/minimum $5
• Visa balance transfer...2% of transaction amount/minimum $5
• Stop Payment on recurring Visa transaction...$15
• International Transaction Fee...Up to 1% of the transaction amount
• Research Fee...$20 per hour, one hour minimum