Fee Schedule

General Services
Automated Account Access FREE
Basic Financial Counseling FREE
Online Bill Pay Service FREE
Electronic Statements FREE
Financial Seminars FREE
Online / Mobile Banking FREE
Notary Services for members FREE
Shared Branching Transactions FREE
Checking Account Fees
Bill Pay Non-Sufficient Funds $33.00 / Item
Bill Pay Stop Payment $33.00 / Item
Check Printing
Starter/Convenience Check Order
Price based on style
$3.00 per order
Premium Checking
(Monthly Maintenance Fee can be waived. For details see Truth In Savings Disclosure)
$5.00 / Month
Value Checking $10.00 / Month
Student Checking FREE
Insufficient Funds $33.00 / Item
Overdraft Privilege $33.00 / Item
Share Draft Copy
(Free Online)
$5.00 / Item
Share Draft/ACH Overdraft $33.00 / Item
Stop Payment $33.00 / Request
Savings Account Fees
Early Withdrawal Holiday Savings $10.00 / Withdrawal
ATM Transactions
Premium Checking Account Visa Debit Card Free & Unlimited transactions from the Premium Checking Account at all ATMs. Transactions from all other share accounts, after 4 per month, $2.00 per transaction. Other surcharges may apply
Student & Value Checking Accounts Visa Debit Card Free & Unlimited transactions at Education First Credit Union ATMs. 4 free transactions at all other ATMs per month. $2.00 per withdrawal over 4. Other surcharges may apply.
Share Savings ATM Card Free and Unlimited transactions at Education First Credit Union ATMs. 4 free transactions at all other ATMs per month. $2.00 per withdrawal over 4. Other surcharges may apply.
Other Service Fees (Applicable to all accounts)
Account Activity Printout
(Free Online)
$3.00
Account Closure
(For accounts closed within 3 months of opening)
$25.00
Account Reconciliation $20.00 / Hour
Overdraft Privilege $33.00 / Item
ATM/VISA®/Debit Cards
Card Rush Mailing $25.00 / Item
Replacement Card $15.00 / Item
Cashier’s Check $3.00 Each
Cashier’s Check Stop Payment $33.00 Each
Deposited Item Returned $33.00 / Item
Escheatment Fee $20.00
Gift Card (reload not available) $4.95
Inactive Account
(After 3 years & account balance under $1,000.00)
$10.00 / Month
Loan Payment - Skip A Pay $35.00
IRA & HSA
(Funds transfer documentation processing fee)
$35.00
Legal Processing Fee (Garnishments and Levies) $25.00
Legal Processing Fee (Child Support) $5.00
Money Order Education First Member FREE
Money Order Education Non-Member $1.00 Each
Money Order Stop Payment $33.00 Each
Returned or Reprint Statement $5.00 Each
Telephone Balance Inquiry
(By credit union staff member. Free online and through CU Access)
$3.00 / Inquiry
Telephone Check Clear / Deposit Item Inquiry
(By credit union staff member. Free online and through CU Access)
$3.00 / Inquiry
Telephone Transfer
(By credit union staff member. Free transfers using mobile banking, online banking and CU Access. Telephone loan payments & Visa payments are free.)
$3.00 / Transfer
Check Cashing
(non member—check drawn on Education First CU)
$5.00 / Item
Wire Transfer: Incoming-Domestic $20.00 / Transfer
Wire Transfer: Outgoing-Domestic $20.00 / Transfer
Wire Transfer: Incoming-International $40.00 / Transfer
Wire Transfer: Outgoing-International Service Not Available
Share Value
Par Value of One Share $5.00

The fees appearing in this schedule are accurate as of March 1, 2024. If you have any questions or require additional fee information please contact Education First Credit Union at 614-221-9376.