Account Service Fees - Effective November 1, 2014

The fees below are Fees accessed by EMMC FCU and do not include any fees charged by other institutions such as for non SURF Alliance ATM's

Share (Savings) Account

  • New Share Fee……………………………………………$5.00 per primary account
  • Monty Moose Shares……………………….………………………………....No Fee
  • Inactivity Fee*………………….……………………………$10.00 per year Oct. 31
  • NSF Fee………………………………………………………………$25.00 per item

Checking Account

  • NSF Fee……………………….……………..…………….…….…….$25.00 per item
  • Overdraft Privilege Fee……………………………………………..…$25.00 per item
  • NSF on checks deposited drawn on other financial institutions………$10.00 per item
  • Stop Payments…………..……………………………………………..$25.00 per item
  • Overdraft transfer..…………………………………………………..$3.00 per transfer
  • Check Copies…………………………………………..………….…$1.50 each check
  • Check Copies Rush……………………………………..……………$5.00 each check

Health Savings Accounts Fees (HSA)

  • NSF/Overdrawn………………………………………….……………$25.00 per item
  • Overdrawn Visa Card Transactions……………………………………$25.00 per item
  • Return Item Fee……………………………………….……………….$25.00 per item

            Members are responsible for record keeping of all transactions-withdrawals, deposits, debit card

Bill Pay e-Plus

  • Enrollment Fee..………………………………………………………………….$5.00
  • Monthly Fee-Unlimited transactions…………………………..…………………$3.80
  • NSF Returns, Payee and Postal Returns…………..………..…………$25.00 per item
  • Stop Pay Fee…………………………………………………. ……….$25.00 per item

Visa Check Cards

  • Surf Alliance-ATM's………………………………..…………………..…..Unlimited
  • Non Surf Alliance-ATM's***….……………………..…………$1.00 per transaction
  • Point of Sale(POS)Transactions………………..……………………………Unlimited
  • Card Replacement Fee……………………………….……………………….…..$5.00
  • Return Item/Overdraft Fee (POS and ATM transactions)………..……$25.00 per item
  • Visa Prepaid Gift Card…………………………………………..………….$3.00 each

Other Service Fees (applicable to all accounts)

  • Statement Copy………………………………………….………..$3.00 per statement 
  • Account Histories............................................…………………….....$3.00 per history
  • Returned Statement…………………………………………….….$3.00 per statement
  • Wire Transfer-Incoming……………………….………..……………....$5.00 per wire
  • Wire Transfer-Domestic Outgoing…………….…….…………..…….$15.00 per wire
  • Wire Transfer-Foreign Outgoing…………………..…………………..$40.00 per wire
  • Treasurer Check**…………………………………..………………  .$2.00 per check
  • Treasurer Check Copy………………………………………..……….$5.00 per check
  • Treasurer Check Copy Rush………………………………..….………$7.50 per copy
  • Treasurer Check Stop Pay……………………………………………$25.00 per check
  • Copies and faxes……………………………………….……….. ............$.50 per page
  • Account Research………………………………………………..……$25.00 per hour
  • Canadian Check-Canadian Funds……….………..…………….. $8.00 processing fee
  • Canadian Check-U.S. Funds………………….……..………….$25.00 processing fee
  • Teller-Phone Fees (after15)………………………………………… $1.00 per transfer
  • Abandoned Property Processing Fee…………………………………..……….$25.00
  • Legal Processing fee for Summons, levies, and writs………………………..…$25.00
  • Non-Member Check Cashing Fee……………………………………..$2.00 per check

*On share accounts inactive for one year or more

**No charge for one withdrawal per person per day made payable to you.

***5 withdrawals per month without charge. After five, $1.00 each.









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