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Emerald Coast Federal Credit Union Fee Schedule
Effective 02/01/2010
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| Share Draft Account Fees |
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| NSF Fee/Courtesy Pay Fee |
$ 27.50 per item |
| Returned Item Fee |
$ 27.50 per item |
| Overdraft Transfer Fee - Shares to Share Draft (3 free each month) |
$ 2.00 per transfer |
| Stop Payment Fee |
$ 25.00 per request |
| Share Draft Printing Fee |
Prices may vary depending on style chosen |
Draft Starter Kit
(contains 50 checks) |
$ 3.00 |
Counter Checks
(contains 8 checks) |
$ 3.00 |
| Draft Copies |
$ 1.00 per copy |
| Other Service Fees (applicable to all accounts) |
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| Low Balance Fee (if aggregate average balance of shares, share drafts and/or certificate accounts is less than $50.00 each month) |
$ 5.00 per month |
| Account Research/Reconciliation Fee |
$ 5.00 per hour
$ 15.00 minimum |
| ACH NSF Fee |
$ 27.50 per item |
| ATM/Debit/POS NSF Fee |
$ 27.50 per item |
| Wire Transfer Fee - Outgoing |
$ 15.00 per transfer before 2PM
$ 25.00 per transfer after 2PM
International- $ 35.00 per transfer
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| Wire Transfer Fee - Incoming |
No Charge |
| Money Order Fee |
$ 2.00 each
(55 and over receive 5 free per month)
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| Online Banking Security Code (Password) Reset Fee |
$ 2.00 each |
| Online Bill Payment Fee (if less than 3 payments per month) |
$ 5.00 per month |
| ATM Fees at foreign terminals (ATMs not owned by us) for withdrawals, balance inquiries, transfers and deposits |
$ 1.00 each |
| Dormant Account Fee (for accounts with no activity for 6 months & aggregate balance of $500 or less) |
$ 5.00 per month |
| Account Closure (if closed with 6 months of opening) |
$ 25.00 |
| Garnishment |
$ 25.00 |
| Legal Process - Levies |
$ 25.00 |
| Verification of Deposits (for businesses/mortgage companies) |
$ 10.00 each |
| Foreign Check Collection |
$ 12.00 each |
| Teller/Cashier Check |
$ 1.00 per check (5 free per month) |
| Teller Check Stop Payment Fee (within 10 days of issuance) |
$ 15.00 |
| Debit Card/Credit Card Replacement Fee (no charge for worn cards) |
$ 5.00 for first replacement
$ 10.00 for second replacement
$ 15.00 for third or more replacement
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| Debit Card PIN Reorder |
$ 5.00 each |
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Debit Card Rush Order/Debit Card PIN Rush Order
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$ 35.00 |
| Debit Card Sales Draft Copy |
$ 5.00 each |
| Debit/ATM Card Capture Fee (Foreign Terminal) |
$ 15.00 |
| Copy Machine Fee |
$ 0.05 Each (first 5 free) |
| Fax Machine - Personal Use |
$ 1.00 First Page
$ 0.50 Each Additional Page |
| Fax Machine - Business Use |
$ 2.00 First Page
$ 1.00 Each Additional Page |
| Deposited Item Return (Non-Member's Check) |
$ 8.00 Per Item |
| Deposited Item Return (Member's Check) |
$ 25.00 Per Item |
| ATM Deposit Envelope does not contain collectible item(s) (e.g. empty envelope, item drawn on same account, same maker/different financial institution) |
$ 100.00 each |
| Returned Item - Other Institution/Same Maker |
$ 35.00 per item |
| Returned Item - Loan Payment |
$ 35.00 per item |
| Missing/Bad Address |
$ 3.00 per month after 6 months |
| Collateral Protection Insurance Reversal Fee - to reverse insurance added to loan once proof of insurance is received |
$ 50.00 |
| Membership Fees |
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| Membership Share |
$ 5.00 Par Value |
| New Share Account Fee |
$ 5.00 (At Account Opening) |
| Non Member Fees |
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| Check Cashing Fees |
$ 15.00 per check
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