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Effective as of October 1, 2006
This Fee Schedule is incorporated
into and becomes part of your Membership Account Agreement and Disclosure,
Loan Application Agreement and Real Estate Application and Agreement.
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Account Closure Fee
(within 3 months of opening) |
$5.00 |
Account History
(Statement copies printed at EFCU) |
$3.00 |
| Account Research (cost per hour and minimum
fee) |
$20.00 an hour |
| American Express® Travelers Cheques |
1% of the sale amount of the Travelers Cheques |
| American Express® Gift Cheques |
$2.50 a Cheque |
| American Express® Traveler Cheques for Two |
1.5% of the sale amount on Travelers Cheques for
two |
| Abandoned Property (Escheat) Account (Cost
per account/suffix) |
$50.00 |
| Account Reconciliation |
$25.00 an hour |
| ATM Balance Inquiry, Withdrawal or Transfer from
a Foreign ATM (non-EFCU ATM) |
$1.50 |
| ATM Non-Verifiable Deposit |
$10.00 |
| ATM Surcharge |
$2.00 |
| Attachment and Garnishment |
$75.00 |
| Bad Address Fee (per occurrence) |
$5.00 |
| Cash Management & Reconciliation |
1/2 % of deposited daily balance |
| Cashier's Check |
$5.00 |
| Check or Document Copy |
$5.00 |
| Re-open a Closed (charged-off) EFCU Checking Account |
$40.00 |
| Duplicate Lien Release |
$10.00 |
| Electronic Transfer of Funds from Savings (Regulation
D transfer limitations apply) |
$3.00 |
Encoded Counter Checks or
Personalized Specialty Checks |
$5.00 per sheet of 4 checks
|
| Member Requested Fax |
$5.00 |
| Foreign and Special Check Collection |
$25.00 minimum |
| e-Branch (Internet Home Banking) |
FREE |
| Loan Late Fee |
$15.00 |
| Returned Loan Payment Check Fee |
$30.00 |
| Loan or VISA® Account Research |
$25.00 a hour |
| Member Requested Express Delivery |
$25.00 minimum |
| Minimum Share Balance Fee per Month |
$2.00 |
| Money Orders |
$2.50 each |
| Monthly Statement Copy |
$3.00 for each month requested |
| Account/Mortgage Verification |
$15.00 |
| Negative Account Balance Collection Fee |
$20.00 |
| Non-Sufficient Funds **per occurrence** |
$25.00 |
| Notary Service |
FREE for EFCU members
$2.00 non-members |
| Personal Check Orders |
Request price through the Call Center |
| Point-of-Sale |
FREE |
| Plastic Cards Replacement |
$5.00 a card |
| PIN Replacement |
$5.00 |
| Regulation Dı Return Check Money Market Accounts
- Limit six transfers per month, which includes three checks clearing
per month. (ACH² debits are checks). |
$25.00 after the third check and each occurrence
thereafter. |
| Regulation Dı Return Check Savings Accounts
- Limit six transfers per month (ACH² debits are checks). |
$25.00 after six overdraft transfers and each occurrence
thereafter. |
| Real Estate Fee(s) |
Disclosed at the time of application |
| Member Return Deposit Item (drawn on another FI) |
$30.00 |
| Overdraft Privilege³ (per occurrence) |
$25.00 |
| Second Party Returned Check |
$10.00 |
| Staff Assisted Telephone Transactions (available
thru Powerline or eBranch) |
$3.00 |
| Stop Payment on Check |
$25.00 per check |
| Subpoena and Summons Fee |
Fees disclosed upon receipt of court documents |
| VISA® Annual Fee |
$15.00 (currently waived) |
| VISA® Cash Advance Fee |
$2.00 (currently waived) |
| VISA® Late Payment |
$15.00 |
| VISA® Over Limit Fee |
$15.00 |
| Wire Transfer |
Incoming:
$10.00 Domestic
$12.00 International
Outgoing:
$20.00 Domestic
$30.00 International |
| ıRegulation D |
For an account to be considered a savings deposit
account under the Federal Reserve System Regulation D, the maximum
number of transfers is limited to six. The number of Regulation
D transfers is subject to change without notice. |
| ²Automatic Clearing House (ACH) |
is a nationwide electronic payment system used
by millions of consumers as an electronic alternative to check
payments. These include but are not limited to, direct deposit,
pre-authorized bill payment, home banking and point-of-sale
transactions. |
| ³Overdraft Privilege |
The Overdraft Privilege fee is $25 for each item
that posts to your account that results in a negative balance.
This fee applies to overdrafts created by check, in-person withdrawals,
ATM withdrawals, debit card purchase and/or transactions, ACH
transactions and other electronic means. You must deposit an
amount equal to the amount of discretionary overdraft privilege
extended to you or more in your account within each thirty (30)
day period and bring your account balance to a positive balance
every thirty (30) day period. The payment of overdrafts within
the Overdraft Privilege limits by the EFCU is a discretionary
courtesy and not a right or obligation. The EFCU will not normally
pay overdrafts within the Overdraft Privilege limits if you
are in default on any loan or other obligation to the Energy
Federal Credit Union, if you are subject to any legal or administrative
order or levy, if you exceed the Overdraft Privilege limit or
have not brought your account to a positive balance within every
thirty (30) day period. |
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