The following list of fees reflects the credit union philosophy
that members who use certain costly services should pay for them,
rather than ask all members to share the cost. In this way, the
entire membership of United Educators Credit Union is served in
the fairest way possible.
CHECKING ACCOUNT FEES
Monthly service charge
None
Per check fee
None
Minimum balance
None
Check printing
Varies by design
Overdrawn
$20.00/Item
NSF Return Item
$30.00/Item
Privilege Pay & Privilege Pay Plus
$20.00/Item
Stop Payment
$30.00/Request
Deposit item returned
$10.00
Blank Checks (lost or stolen)
$10
Involuntary Account Closure
$25.00
OTHER SERVICES FEES
Items Sent for Collection
$30.00/Item
Wire Transfer (Outgoing)
$20.00/Transfer
Returned Incoming Wire
$35.00/Wire, if using incorrect wire instructions
International Wire
$45.00/Transfer
Teller Check to 3rd Party
Payment cannot be stopped
$3.00/Check
Certified Teller Check
Payment cannot be stopped
$8.00/Check
Money Order
$3.00/Money Order
Account Reconciliation
$30.00/Hour, $30.00 minimum charge
Account Research
$30.00/Hour, $30.00 minimum charge
Statement Copy
$5.00 per statement
Deposited Item Return
$10.00/Item
Inactive Account
$10.00/Quarter, charged after 12 months and combined account balance is less than $100.00
Returned Statement
$10.00/Statement
IRA Early Closing
$25.00/Member
Foreign Item Processing
$10.00 - $50.00, depending on currency
Foreign Item Returned
$40.00 - $100.00, depending on currency
Photocopy of Paid Check
$5.00/Check
Special Handling
$20.00/occurrence
Late Loan Payment
$20 (10 days past due)
Solutions@HOME Bill Pay
FREE
EFT FEES
ATM Withdrawals
$2.00/Transfer after 10 free per month
Card Replacement
$15.00
Pin Reissue
$5.00
ATM Overdraft
$20.00/per overdraft
Debit Card Overdraft
$20.00/per overdraft
Currency Conversion
1.0% - Multi-Currency Transaction Conversion
Currency Conversion
0.8% - Single-Currency Transaction Conversion
Involuntary Debit or ATM Card Closure
$25.00
ACH Stop Payment
$30.00/Request
ACH Returns (NSF)
$30.00/Item
SHARE VALUE
Par Value of One Share
$5.00
Membership share must be held in one of the following Primary Share Accounts:
Share Savings
$5.00
Organizational Share Savings
$5.00
Pee Wee Penguin Youth Savers
$5.00
My Mula! Savings Account
$5.00
Student Savings Account
$5.00
Representative Payee Account
$5.00
Trust
$5.00
Fees last amended on 01/25/2012
*Notice Regarding ATM Fees by Others:
If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network.
PLEASE NOTE Savings and CDs may be subject to an early redemption penalty. Details are contained in agreements and/or disclosures relating to specific programs. Fees subject to change as provided for in the various agreements. Tax included in fees where applicable. All fees are reviewed by your elected volunteer Board of Directors.
Savings Federally Insured to at least $250,000 by NCUA and backed by the full faith and credit of the United States Government. Savings insured an additional $250,000 with Excess Share Insurance, for combined coverage of $500,000. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
