Fee Schedule | Energy Capital Credit Union

Savings/Money Market Account Fees	Fee
Money Market	$10 if balance < $2,500 *Money Market fee waived with $2,500 minimum balance and eStatements.
Regular, Indirect, Special Shares	$5 if balance < $1,000 *Fee waved with average monthly balance or active direct deposit or tied to active checking account.
High-Yield Savings	$10 if balance < $5,000 *Fee waived with average monthly balance or active direct deposit.

Checking Account Fees	Fee
Privilege Pay ACH, Check, Debit Card	$0 for items ≤ $5
Non-Sufficient Funds (NSF)	$30 per transaction > $5 (max 5 per day)
Stop Payment	$25 per Item
Check Printing	Varies
Bill Pay- Expedited Payment	$20 per Item
Temporary Account Checks	$5 per 8 Checks
Power Checking	$10 per month
Spark Interest, 50-Watt Checking	$10 if balance < $1,000 Fee Waived with average monthly balance or active direct deposit. Spark Interest Checking must enroll in eStatements to earn interest.

Other Service Fees (Applicable to all accounts)	Fee
Paper Statement Fee (waived for 50-Watt Checking)	$2
Cleared Check Copy	$3
Account Reconciliation	$25 per hour
International Wire Trace	$25
Wire Transfer (Outgoing-domestic)	$25
Wire Transfer (Outgoing-international)	Varies
Wire Transfer (Incoming)	$14
Excessive ATM Withdrawal-Foreign ATM Fee	$2
Domestic Collection Item	$20
Foreign Collection Item	$30 Minimum
Overdraft Protection Transfer	$5 Daily Max
Non-Member ATM Transactions (for Balance inquiry and transfer)	$.50
Non-Member Check Cashing	$10
Debit Card Replacement	$5
Foreign Debit Transaction Fee	.90% of transaction
Online Loan Payment	$0.25 + up to 5% of payment
Payments by Phone	$10
ACH Origination (same day)	$30
Overnight Mail Delivery (Member Request)	$30
Loan Skip-a-Payment (online)	$25
Loan Skip-a-Payment (email/mail/in person)	$40
Money Order (member)	$4
Money Order (non-member)	$5
Returned Mail	$5
Garnishment, Execution, Levy	$50 per Hour, Plus, Attorney Fees
Subpoenas	$50 Each
Teller Check (member)	$6
Teller Check (non-member)	$10
Credit Card Replacement (same day rush)	$45
Credit Card Replacement (2-3 day rush)	$35

Safe Deposit Box Rental Annual Fees	Fee
3 X 5 Box	$25
3 X 10 Box	$50
5 X 10 Box	$75
10 X 10 Box	$120
Late Payment (30 days past due)	$10
Key Deposit/Setup	$15
Lost Keys/Box Drill	Actual Cost

External Account Transfer Fees	Fee
Non-Sufficient Funds (NSF)	$30 per transaction > $5

Business Checking Account Fees	Fee
Business Interest Checking Monthly Activity Fee	$10 if balance < $5,000 *Fee Waived with average monthly balance or active direct deposit.
Business Savings	$5 if balance < $5,000 *Fee waived with avg monthly balance or active direct deposit or tied to active checking account.
Transactions in Excess of 1,000	$0.25 Each
Cash Change Order	$100 Each

The rates appearing in this Rate and Fee Schedule are accurate and effective for all accounts as of the date indicated below. If you have any questions or require current rate information on your account, please call the Member Resource Center at (832) 604-4848 during normal business hours. Unless otherwise indicated, all fees listed herein will be effective September 1, 2023.

Get in touch.

Phone: (832) 604-4848

Email: MRC@eccu.net

Mail: 18540 Northwest Fwy, Houston TX 77065

Fax: (832) 604-2153

Checking Accounts: *APY=Annual Percentage Yield. Credit union rules and regulation apply. Other fees such as non-sufficient funds, overdraft, continuous overdraft fees, etc. may apply. See the Fee Schedule for more details. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift is provided at time of account opening. We reserve the right to substitute a gift of similar value.

Rate Information: For dividend bearing accounts, the dividend rate and APY may change every dividend period based on the determination of the Credit Union Board of Directors. Hi-Yield Money Market Accounts are subject to a tiered rate. Your account will earn dividends according to the average daily balance in your account related to the table above.

Minimum Balance Requirements: The minimum balance requirements applicable to each account are stated above. For savings accounts, the minimum balance is included in all reports listing balance information, but is not included in the "available balance." If the minimum daily balance is not met each day of the dividend period, you will not earn the stated Annual Percentage Yield.

Minimum Balance to Avoid Fees: If the minimum daily balance shown above is not met during each day of the dividend period, you will be charged a service fee as stated in the Fee Schedule.

Nature of Dividends: Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Compounding and Crediting: The dividend period is monthly from the 1st day of each month to the last day of each month and dividends will be calculated on your Average Daily Balance for each day on which your balance equals or exceeds the required minimum balance.

Balance Computation Method: For dividend bearing accounts, dividends are calculated by the Average Daily Balance method which applies a daily periodic rate to the principal in your account each month.

Accrual on Dividends: Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. For dividend bearing accounts, dividends will begin to accrue on the business day that you deposit non-cash items (e.g. checks) into your account. If you close your account before accrued dividends are credited, you will not receive the accrued dividends.

Fees for Overdrawing Accounts: Fees may be imposed on each check, draft, item, ATM Card withdrawal, debit card point of sale, pre-authorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. A fee of $30 for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information.

Fee and Charges: Fees could reduce the earnings on an account.

Free Mobile Banking: Data rates may apply.

**High-Yield Information: The highest dividend rate only applies to balances up to $20,000. In order to receive the highest dividend rate each month the following actions must be met on a monthly basis: 12 debit card transactions per month, and enroll in direct deposit.