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All Accounts • ATM/Debit Cards • Share Draft Accounts
FEES & CHARGES
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Fees Applicable to All Accounts (Except Certificates)
| Returned Item Fees |
| Third Party Item |
$10.00 per return |
| Personal Item |
$20.00 per return |
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| Wire Transfer Fees |
| Outgoing Domestic |
$8.00 per transfer |
| Outgoing Foreign |
$25.00 per transfer |
| Incoming |
$0.00 |
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American Express Travelers Check Fees
(applies to purchases only) |
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Single Signer Checks |
NO FEE (personal accounts)
OR
$0.40/$100 purchased (organization accts) |
| Dual Signer Checks |
$0.50/$100 purchased |
| Gift Checks |
$1.25 per check |
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| VISA Gift Card |
$2.50 per card |
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| Electronic Funds Transfer (EFT) Fees |
| Returned Item |
$22.00 per item |
| Stop Payment Fee (Revoke Authorization) |
$25.00 per item |
| Electronic Transaction Transfers |
$2.00 per transfer |
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Account History Fee
(for account histories of prior month or otherwise historical) |
$1.00 per page |
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| Escheats Research & Contact Fee |
$25.00 |
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Returned Statement Fee
(for statements returned without a forwarding address (either on file or provided by USPS)) |
$2.50 per statement |
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Dormant Account Fee
(after 3 years without any member-initiated activity) |
$5.00 annually |
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ATM/Debit Card Fees
| Card Replacement Fee |
$3.50 per card |
| PIN Confirmation |
$1.00 per mailing |
| EMU CU ATM Transactions |
FREE (unlimited # per month) |
| Foreign ATM Transactions |
FREE (unlimited # per month)
Use any CO-OP ATM for access that is surcharge FREE as well! |
| Inquiries & Transfers |
FREE (unlimited # per month) |
| Signature Based Debit Transactions |
FREE (unlimited # per month) |
| PIN Based Purchases at Retailers |
FREE (unlimited # per month) |
Overdrawn Account Fee
(negative balance resulting from posting of applicable transaction) |
$22.00 per item |
Debit Transfer Fee
(transfer of funds from other account(s) to rectify negative balance by EMU CU) |
$2.00 per transfer |
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Share Draft Account Fees
| Overdraft Transfer Fee |
$2.00 per transfer (max of 3 per month) |
| Draft/EFTs Returned Fee |
$22.00 per item |
| Draft/EFTs Honored via P.A.I.D. Program |
$22.00 per item |
Stop Payment Order Fee
(Single item or series of drafts) |
$25.00 each occurrence |
| Draft Copy Fee |
$1.50 per copy |
| Draft Printing Fee |
Varies depending on the style of drafts ordered |
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Eastern Michigan University CU
761 Jenness St
Ypsilanti, Michigan
48197
(734) 487-1033
Fax: (734) 487-1951
credit.union@emich.edu
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