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Online Banking

Routing Number: 271975566

Schedule of Service Charges

Type of Charge Amount
Domestic Wire Transfer $30.00
International Wire Transfer $50.00
Money Order $2.00
VISA Travel Card $5.00
VISA Gift Card $3.00
Cashier's Check $3.00
Corporate Checks (in excess of 2 per day) $3.00
Express Mail Fee $15.00
Secretary of State Sticker (EMC Member) $3.00
Secretary of State Sticker (Non-EMC Member) $4.00
Secretary of State Sticker (Non-Member) $5.50
Secretary of State - All Other Transactions $20.00
Stop Payment - Credit Union Check $28.00
NSF Fee for Returned Check Presented By Member $28.00
Legal Items/per hour(Garnishment, Discovery of Assets, Subpoenas) $35.00
Account Research Fee/per hour $30.00
Escheat Fee/per account $50.00
Dormant Account Fee/per month

Excludes Dewey and TIP accounts Applies after 24 months of no activity with balances less than $200

$5.00
Close Account Within 6 Months of Opening $20.00
Reopen Closed Account Within 6 Months of Closing $20.00
Minimum Balance Fee/per month When regular shares fall below $25.00 $5.00
IRA Origination Fee $10.00
IRA Withdrawal Fee (For members initiating outbound rollovers and direct transfers) $10.00

ATM Card Fee
(Fee waived for Students up to 21 years of age and Senior Citizens 55 years of age) $1.50
Transaction Fee - Non-ECU owned machines

First Eight Transactions at Non Member Access Machines are Free for Exclusive Members.

$1.00
Debit Card International Service Assessment Applies to International transactions only 1% of txn. total
ATM/Debit Card Reissue $10.00

Printed History on Account
Regular Monthly/Quarterly Statement FREE
Copy of Monthly/Quarterly Statement $3.00
Print out of One Month's Account Transaction History $10.00
Undeliverable Statement $5.00
Check Cashing Fee for each check under $999.99 $5.00
Check Cashing Fee for each check over $1000.00

Check Cashing fee applies to members with less than $100.00 of business with ECU.

$10.00

Account Balancing
Current month balancing is available on a one-time basis at no charge. Account balancing for other than this one-time basis will be charged at the rate of $15.00/hr. Fees may be waived if it was the result of a data processing error. $30.00

Collection Item/Foreign Check
Our member's account will be credited for the estimated dollar value of the collection item on the date of the deposit. A hold will be placed on the account until the collection item clears. At that time our member's account will be adjusted to reflect the actual clearing value. $30.00

Money Market Accounts
Close Account Within 3 Months of Opening $20.00
Minimum Balance Fee/per month (When balance falls below $1500.00) $12.00
Transfers and Withdrawals on MARS (Reg D) FREE
Overdraft Fee from Share Account $3.00 each
Maximum Overdraft Equal to Available Shares
NSF Check Written by Member $28.00
Electronic Debit Returned NSF $28.00
Overdraft Payment of Check or Electronic Debit $28.00
Stop Payment of Member Check $28.00
Stop Payment of Electronic Check $28.00
Copy of Paid Check $2.00
Checks in Quantities of 40 Cost Varies

Checking Account (Share Draft)
Overdraft Fee from Share Account

Maximum Overdraft Equal to Available Shares

$3.00 each
Overdraft Payments Created by Checks, Electronic Means or In-Person Withdrawals $28.00
NSF Check Written by Member $28.00
Electronic Debit Returned NSF $28.00
Copy of Paid Check $2.00
Stop Payment of Member Check $28.00
Stop Payment of Electronic Payment $28.00
Low Balance Fee/per month

When checking account falls below $99.00 Fee is waived for Exclusive Members

$8.00
Checks in Quantities of 150 Cost Varies
Overdraft Payments Created by Checks, Electronic Means or In-Person Withdrawals $28.00
NSF Check Written by Member $28.00
Electronic Debit Returned NSF $28.00
Stop Payment of Member Check $28.00
Stop Payment of Electronic Payment $28.00
Low Balance Fee/per month

When checking account falls below $99.00 Fee is waived for Exclusive Members

$8.00
Checks in Quantities of 150

Checks not ordered through the Credit Union must have Credit Union approval before they can be used.

Cost Varies

Online Banking / Bill Pay Service
Payment Investigation Fee (includes copy of check) $40.00
MARS (Member Audio Response System) FREE
Happy Man and Woman

Why choose Earthmover?

Earthmover Credit Union has been a part of the community for over 60 years. Our philosophy is "People Helping People" and we pride ourselves on helping you earn higher returns on savings accounts while saving you money on loan rates and service fees. As a not-for-profit financial cooperative, we work hard to provide the very best member service in the community. We hope you consider becoming a member and owner of Earthmover Credit Union!

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