Schedule of Service Charges

A par value is required to establish and maintain membership at the credit union.

Maximum overdraft transfer will be equal to the available shares at the time of the transfer.

Created by checks, electronic transactions, or in-person withdrawals on the available balance.

BillPay (online funds transfers)

BillPay (online funds transfers)

BillPay (online funds transfers)

Applies to paid checks drawn off member’s checking and money market account(s).

Varies depending on style and customization. Harland Clarke, a Vericast business, is the Credit Union’s Approved Check Printer. Quantities of 150 are available for checking accounts and 40 are available for money market account.

Applies when a member deposits a foreign/collection item.

MessagePay

MessagePay

MessagePay

Applies when a non-member of ECU visits an ECU branch location to cash an ECU check (share draft or cashier’s check)

Applies when checks drawn off ECU accounts and electronic debits are returned for non-sufficient funds.

Applies when a member deposits a check drawn on the member’s account at another financial institution and it is returned for non-sufficient funds.

Applies to member checks and electronic payment orders.

TransferNow (online funds transfers)

Minimum purchase amount of $1,000.00.

Applies to outgoing wire transfers located in the United States.

Applies to outgoing wire transfers outside of the United States. ECU does not process incoming international wire transfers.

For purchase amounts between $1 and $1000.00.

Applies to cashier’s and corporate checks.

Applies if savings or money market accounts are closed within 90 days of opening.

Applies when balance falls below the par value.

Applies when balance falls below $1500.00.

Applies to accounts with only a savings account. Fee is waived for Students and Senior Citizens.

Applies to international transactions made in person and online/internet through a foreign merchant. The fee applies to merchant location, not member location.

Transaction fee charged to members using non-Earthmover Credit Union owned ATM's. Fee is waived on the first eight transactions per month for Velocity Members.

This fee applies when assisting with balancing an account and/or researching items on account.

Applies when correspondence (monthly/quarterly statements, notices, etc.) are mailed to address on account and returned as undeliverable or bad address.

Applies to members that process more than $500.00 per transaction (the 3% is charged on the amount over the $500.00).

Applies to non-members on the total amount processed.

Request for account history before next statement is issued.

Applies to dormant accounts and stale dated cashier's and corporate checks at 36 months.

Surcharge applies to non-Earthmover Credit Union cards using Earthmover Credit Union-owned ATMs.

Applies if no transactions for 18 months from last transaction, unless balance is more than $200 or the account type is a Minor Account.

Applies to third-party creditors and title companies requesting a loan payoff.

Statements are free when released at the beginning of each month/quarter for the preceding month/quarter. Fee applies when requesting additional copies of statements previously provided.

Paper Statement Fee (per month)

Applies to accounts with Pace Checking Accounts that choose to receive paper statements instead of e-statements. Fee applies monthly. Fee is waived for Senior Citizens***.

Charged to the law enforcement/government agency requesting the documents and information.

Charged to the agency requesting the documents and information.