Fee Schedule

Straight talk, Texan to Texan

With Education First, there are no surprises, no gotchas. We keep our fees as low as possible, but we do have to charge them on occasion. Here's what they are and where you can expect to find them.

Young man checking tablet

Honesty is our policy:

This Fee Schedule sets forth certain conditions, fees and charges applicable to your Share (Savings) Accounts, Christmas Club Accounts, Money Market Accounts, Checking Accounts, IRA Savings Accounts and Special Accounts at Education First Federal Credit Union, and is incorporated as part of your Account Agreement with us. A membership share in this credit union is $5.00 and not available for withdrawal unless the account is closed. For current fee information, call us at (409) 898-3770

Checking Account Fees

Overdraft transfer fee: $5.00 each transfer
Non-sufficient funds = NSF fee: $30.00 each item
Paid by overdraft fee: $30.00 each item
Return item fee: $5.00 each item
Stop payment fee: $30.00 each item (check or pre-authorized electronic debit)
Check printing fee: Prices vary depending upon style
Checks - Temporary (4 checks): $3.00 per sheet
Returned item drawn on Member's account at another institution (NSF) fee: $30.00 
Inactive account fee: $5.00 each month, if no activity for 12 months and/or under $100, and no other services

Bill Pay Fees

Account to Account - to another institution $2.95
Same day bill payment $9.95
Overnight check - check sent overnight $14.95
Send money fee:
$1.00 - $249.99 $0.50
$250.00 - $999.00 $0.75
$1,000.00 and above $1.50
Request money fee:
$1.00 - $249.99 $0.50
$250.00 - $999.00 $0.75
$1,000.00 and above $1.50
e-Greetings $0.25

Other Service Fees (applicable to all accounts)

Account reconciliation fee: $15.00 each hour
Account research fee: $15.00 each hour
Statement copy fee: $3.00 per statement
Returned statement incorrect address fee: $5.00 each statement/each mail piece
Deposited item return fee: $5.00 each item
Wire transfer fee: $15.00 each transfer
Cashier's check fee: $5.00 each check
Money order fee: $2.00 each order
Legal process fee: $25.00 each service
Telephone transfer fee:* $1.00 each transfer*
Copy of paid check fee: $2.00 each check
ATM transaction fee: $1.00 each transaction
ATM card replacement fee: $10.00 each card
Account balance inquiry provided by staff:* $1.00 each transaction
Check cashing fee: $5.00 each check
Dormant account fee: $25.00 per account
Collection items - Domestic $15.00 each item
Collection items - Foreign $15.00 each item
Photocopy service** $0.50 each page
Administrative fee (closure of primary savings account within 180 days of opening): $15.00

* Not applicable when “Touch Tone Teller” service is unavailable or Online Banking services are not available.
** Some account types may result in fees being waived or reduced.

All fees effective: November 1, 2018

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