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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.

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 Membership Agreement with us. A membership share in this credit union is $5.00 and is not available for withdrawal unless the account is closed. For current fee information, call us at (409) 898-3770. 


Savings Account Fees
Non-Sufficient Funds (NSF) Fee: ACH Debit $24.99/item
Checking Account Fees
Check Printing Fee Prices vary depending on style
Non-Sufficient Funds (NSF Fee) | check, in-person withdrawal or other electronic means $24.99 per Item
Overdraft Transfer Fee $5.00 per Transfer
Stop Payment Fee (check or pre-authorized electronic debit) $30.00/item
Temporary Checks (4) $3.00/sheet
Other Service Fees (applicable to all accounts)
Account Research/Reconciliation Fee: $15.00 each hour
ACH/Card Origination Payments (no charge for online payments) $10.00 over the phone Debit Card/Credit Card
Admin Fee (closure of primary savings account within 180 days of opening) $15.00
ATM Transaction Fee (excludes ATMs owned by Education First FCU & those included in CU Pass) $2.00 per transaction (excludes CU PASS Network ATMS)
Cashier's Check Fee: $5.00 per check
Collection Items: $15.00 per item
Copy of Paid Check Fee $2.00 per check
Deposited Item Return Fee $5.00 per item
Dormant Account Fee $25.00 per account
Inactive Account Fee (if no activity for 12 months, under $100 and no other services) $5.00 per month
Legal Process Fee $25.00 per service
Money Order Fee $2.00 per item
Returned Item Fee (drawn on members' account by another financial institution) $24.99
Return Item Fee (returned check on members' deposit) $5.00
Returned Statement/Mail Fee $5.00 per statement/mail item
Statement Copy Fee $3.00 per statement
Wire Transfer Fee $15.00 per transfer
Safe Deposit Box Fees
Box Sizes Annual Fee
3x5 $20.00
5x5 $25.00
3x10 $25.00
5x10 $50.00
10x10 $60.00
Drilling Fee $100.00
Key Replacement $55.00

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