Fee Schedule

Enjoy an even LOWER rate with these great rate discounts2:

  • .25% off - Get pre-approved with us before you shop
  • .25% off - Set-up auto-pay from an Education First account
  • .25% off - Set-up direct deposit to an Education First account
  • .25% off - Add Credit Life/Credit Disability to your loan


We also pay great dividends on deposits.

Click here to view our deposit rates. >

Fee Schedule

Banking Services in Beaumont, TX

The fees contained in this Schedule are accurate as of October 1, 2016.  For current information call the Credit Union at 409.898.3770.  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.

Savings Account & Money Market Account Fees

Excessive withdrawal: $15.00 per occurrence for each withdrawal in excess of six (6) per calendar month

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: $3.00 each item
Stop payment fee: $30.00 each item (check or pre-authorized electronic debit)
Check printing fee: Prices vary depending upon style.
Returned item drawn on Member’s account at another institution (NSF) fee: $30.00
Inactive account fee $3 each month, no activity for 12 months, 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 for first copy per month
$5.00 for second copy per month
Returned statement incorrect address fee: $2.00 each statement
Deposited item return fee:    $3.00 each item
Wire transfer fee:    $15.00 each transfer
Cashiers check fee:    $5.00 each
Money order fee: $2.00 each
Legal process fee:        $25.00 each service
Telephone transfer fee: * $1.00 each transfer  *
Copy of paid check fee:        $2.00 each check after first two (2) per month
ATM transaction fee:    $1.00 each after first two (2) per month (at non-network ATM)
ATM card replacement fee:    $5.00 each card
Account balance inquiry provided by staff:* $1.00 each
Check cashing fee: $5.00 each check
Maximum fee $25.00 
Check cashing fee waived if: Average three month Savings Balance = $100.00, or
Active Checking Account, or
Current Loan
Dormant account fee: $25.00
Inactive account fee: $3 each month, no activity for 12 months, under $100, and no other services
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

Questions? Give us a call at (409) 898-3770 or (800) 456-4684. We're happy to assist you!


* 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: May 17, 2013