E1 Financial Credit Union

Fees

GENERAL MEMBERSHIP FEES
07/01/09
Description of Fee/Charge	Fee
Monthly Maintenance Fee - Regular Savings (Balance below $250, no activity for six months, with no other savings or loan accounts)	$3.00 per month
Membership Entrance Fee	$1.00
Returned Item - Savings Account Deposit	$10.00
Member's Own Check Returned (drawn on another institution)	$30.00
Check Payment by Phone	$10.00 each
Check Payment by Phone Returned Item	$31.00
Stop Payment Request - E1 Financial Corporate Check	$20.00
Statement Copy	$1.00
Cancelled Check Copy - E1 Financial Corporate Check (2 free copies per month)	$2.00
Wire Transfer (Outgoing) - Domestic	$15.00
Wire Transfer (Outgoing) - International	$35.00
Escheat Processing (no activity for 3 years)	$2.00
Address Locator Fee	$5.00
Legal Process Fee	$30.00
Research/Reconcile Account (1 hour minimum)	$20.00 per hour
Call Center Usage Routine transactions that can be done by Audio Response, Internet Banking, VISA Debit Card, or ATM	$0.50
Automatic Redeposit Fee**	$5.00
Returned Mail Fee (per item)	$2.00
Money Orders	$2.00 each
Notary Fee (Non-CU Business/Documentation)	$10.00 per signature
IRA Closeout Processing Fee (Outgoing Rollovers/Transfers)	$15.00
Check Cashing Fee (Non-Members) for On-Us Checks under $500 and 1% for On-Us Checks over $500	$5.00 or 1%
Club Accounts Early Withdrawal Fee	$10.00
Verification of Deposit	$10.00
Internet Banking	$No Charge

POWER CHECKING FEES
Checking Account
Description of Fee/Charge	Fee
Monthly Maintenance Fee - Power Checking	$No Charge
Checkwriting Power Checking - unlimited	$No Charge
Checkwriting	$No Charge
NSF/UCF* Item (Checking Account - NOT Paid)	$25.00
Returned Deposit Item - per item	$10.00
Member's Own Check Returned (drawn on another institution)	$30.00
NSF/UCF* Item - Paid (Checking Account - Courtesy Pay)	$25.00
Overdraft Transfer from Regular Share Account	$2.00
Overdraft Transfer from Line of Credit	$2.00
Stop Payment Request	$20.00
Using Audio Response	$10.00
Copy of Paid Check - per item (2 free copies per statement period)	$2.00
Temporary Checks (8 or 12)	$4.00
Check Re-Orders	$Cost

VISA DEBITCARD/ATM/ACH /CREDIT CARD
Description of Fee/Charge	Fee
Annual ATM Cardholder Fee (Regular Share Accounts Only)	$5.00
VISA DebitCard and ATM Replacement Card Fee	$5.00
PIN Reissue	$2.50
Empty Envelope Deposit - ATM	$15.00
VISA DebitCard NSF Debit - Paid	$25.00
ACH Debit - NSF - Returned	$25.00
ACH Debit - NSF - Paid	$25.00
ACH - Stop Payment	$20.00
ACH - NSF - Transfer	$21.00
ATM Withdrawal - NSF (offline)	$15.00
ATM Transactions - Power Checking	$No Charge
Annual Fee, Visa Credit Account	$No Charge
Cash Advances , Visa Credit Account	$No Charge
Cash Advances, Non-Member VISA Credit Account ... minimum $5.00 or 2% whichever is greater (max $50.00)
Over Limit Fees, Visa Credit Account	$10.00
Late Payment Fee, Visa Credit Account	$15.00
Balance Transfer Fee, Visa Credit Account	$No Charge
Visa Account Statement Copy, per Statement	$1.00
Stop Payment, VISA Credit Check	$20.00
Visa Replacement Card Fees	$5.00

MONEY MARKET ACCOUNTS
Description of Fee/Charge	Fee
Check orders (Money Market Accounts only)	$No Charge
Minimum Balance Fee (Account balance falls below required minimum)	$5.00
Excess Transaction Fee (Transactions exceed the number authorized)	$10.00
Returned Item (NSF/UCF*) - NOT Paid	$25.00
Returned Item (NSF/UCF) - Paid	$25.00
Returned Deposited Item, per item	$10.00
Member's Own Check Returned (drawn on another institution)	$30.00
Using Audio Response	$10.00
Money Market Checks under $500.00	$5.00
Stop Payment Request	$20.00
Using Audio Response	$10.00
Copy of Paid check, per item (2 free copies per statement period)	$2.00

BILL PAYMENT
Description of Fee/Charge	Fee
Power Checking - unlimited payments	$No Charge
Stop Payment	$28.00
NSF	28.00
* NSF/UCF = Non sufficient Funds/Uncollected Funds ** Automatic Redeposit Fee, charged each time an item is redeposited for clearing ⁺ For active users; $5.95 for inactive users after 90 days.

All rates, fees, terms and conditions are subject to change.