Educational Employees Credit Union :: Rates

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Schedule of Fees

As of January 1, 2007

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...$1 per statement
Photocopy of deposited item...$3
Notary Public (non-EECU documents) Members:...$10 for first signature (waived for Golden Owl Members); Non-members: $10 per signature
Personal check deposited or cashed, loan payment, or credit card payment check returned unpaid...$20
Non-sufficient funds (NSF) check, ACH, POS, or BillPayer paid or returned ...$20
Processing of levies or liens...$15
IRA transfer or termination (no charge for transfers to FNIC investment)...$15 (waived for 59½ or older)
Corporate withdrawal checks...$2 per check, one check free per day - and fee waived if payable to a consumer credit counseling agency, for credit union business, or for Golden Owl Members.
Research fee for investigative requests (i.e. balance check book)...$15 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

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

2nd Chance Checking Monthly Fee...$10
DBA Checking monthly fee...$5 (waived for 5 or fewer draft clearings in statement cycle)
Copy of check...No charge for first two per statement. $3 each for subsequent copies
Checks...Prices vary
Identify information on a check...$1.50
Reinstatement of closed checking account...$10
Stop payment request on personal check, ACH transaction, corporate check, or convenience check (includes Visa & LOC Drafts)...$10
Temporary emergency checks (set of 8)...$2.00
Overdraft protection transfer from shares...$1 each transfer (up to 6 per month)

Home Equity Line of Credit annual fee...$25
Home Equity Line of Credit Application fee ...$125
Five-Year Call rate modification fee...$0 and add .125% (1/8%) to the prevailing rate; or 1.00% of loan balance, or $500, whichever is less, at the prevailing rate
Rate modification for FHA Title 1 Loans...$75
Rate modification for 15 year fixed...$0 and add .125% (1/8%) to the prevailing rate; or 1.00% of loan balance, or $500, whichever is less, at the prevailing rate
Reconveyance fee...Actual Cost (approx. $44 + $3 per page)
Demand for payoff...$10

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...$5 each
Visa credit card statement copy...$1
Visa cash advance...1% of transaction amount/minimum $2 (waived for balance transfers)
Stop Payment on recurring Visa transaction...$10