Emerald Coast Federal Credit Union Fee Schedule Effective 02/01/2010
Share Draft Account Fees
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)
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
Wire Transfer Fee - Incoming	No Charge
Money Order Fee	$ 2.00 each (55 and over receive 5 free per month)
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
Debit Card PIN Reorder	$ 5.00 each
Debit Card Rush Order/Debit Card PIN Rush Order	$ 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
Membership Share	$ 5.00 Par Value
New Share Account Fee	$ 5.00 (At Account Opening)
Non Member Fees
Check Cashing Fees	$ 15.00 per check

2010