Schedule of Fees and Charges

The following fees are effective October 1, 2023
General Fees and Charges
Account Activity Printout$2.00
Account Overdrawn Over 30 Days $15.00
Account Research/Reconciliation (per hr.)$25.00
ATM-EFCU Transaction (>15 transactions)$2.00
ATM-Non-EFCU Transaction (>6 transactions)$2.00
Card Replacement (Debit)$10.00
Cashier’s Check (per check)$7.00
Corporate Check$5.00
Domestic Collection Process (per item)$20.00
Escheat Notice$2.00
Faxes (outgoing-per 5 pages)$5.00
International Collection Process (per item)$30.00
IRA Closure/Transfer$25.00
Legal Processing (per hour, except if prohibited by Law)$50.00
Money Order$2.00
Non-sufficient Funds (NSF) (each)$29.00
Notary (per signature)$15.00
Non-Member Check Cashing (each item)$10.00
Overdraft Privilege (each item)$29.00
Overdraft Protection (each item) $3.00
Photocopy Requests (of any type)$5.00
Returned Item$29.00
Returned Mail$10.00
Special Handling (rejected ACH, Checks, ATM corrections)$5.00
Stop Payment Request$29.00
Telephone Account Transfer (with staff)$3.00
Temporary Checks (4 per page)$3.00
Verification of Deposit$10.00
Visa Gift Card (per card)$3.50
Wire Transfer Domestic-Outgoing$25.00
Wire Transfer International-Outgoing$50.00
Safe Deposit Boxes
3 x 5 (Annual Fee)$50.00
5 x 5 (Annual Fee)$60.00
3 x 10 (Annual Fee) $70.00
5 x 10 (Annual Fee)$90.00
10 x 10 (Annual Fee)$120.00
10 x 16 (Annual Fee)$150.00
Key Deposit$40.00
Box Drilling (actual cost incurred for drilling)Varies
Checking Accounts
Monthly Service1$6.00
Check ReorderVaries
Regular Savings Accounts
Below Minimum Balance2$5.00
Excessive Transaction3$10.00
Money Market Accounts
Excessive Transaction3$20.00
Credit Cards
Card Replacement$10.00
Copy of Credit Cards Sale Draft (non-dispute)$10.00
Copy of Credit Cards Statement$5.00
Late Payment Fee$25.00
Returned Item (Credit Card Check)$29.00
Consumer Loans
Late Charge$30.00
Loan Modification Fee$50.00
1) Checking Monthly Service Fee will be waived with ANY ONE of the following:
• Any loan with a balance including credit cards
• Average daily checking balance of $1,000 or greater, or
• Average daily balance between checking and ALL other savings accounts of $4,000 or more
• 25 electronic transactions per month; each use EFCU debit card at an ATM or POS terminal counts as one; each online payment through bill pay counts as one and each ACH counts as one.
• Any active military personnel with notification to the credit union
• Any member under 18 or over 65

2) Monthly fee waived if balance is $50 or is combined with any other account or loan product.

3) See Truth in Savings Disclosure. In accordance with Regulation D.

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