Effective Date: 06/01/2011
Savings Accounts
Relationship Fee											$2.00/Month Average Daily in (01) savings is less than $50; no other account relationships; 25 and older
ACH Stop Pay											$25.00/Request
Unblock Stop Pay											$5.00/Request
ACH Non-Sufficient Funds											$27.00/Item
Return Deposit Item											$25.00/Each
Reg D Excess Transfers											$1.00/Each after 6 per month
Close (01) Savings Account											$5.00/Account within 6 months
Reopen (01) Savings Account											$5.00/Account within 1 year
Close Account Below Par Value											Remaining Par Value after 30 days
Money Market Accounts
Opening Deposit											$2,500.00
Money Market Withdrawal											$5.00/Each after 3 per month
Money Market Below Minimum											$10.00/Month
Christmas Club Accounts
Christmas Club Withdrawal											$5.00/Each
Christmas Club Close											$5.00/Account
Christmas Club Reopen											$10.00/Account, within current year
Individual Retirement Accounts (IRA's)
IRA Annual Fee											None
IRA Account Transfer											$25.00/Request
Close IRA											$5.00/Account within 6 months
Early Withdrawal Fee (Terms of 1 year)											90 days' dividends
Early Withdrawal Fee (Terms longer than 1 year)											180 days' dividends
Certificate Accounts (CD's)
Early Withdrawal Fee (Terms of 6 months - 1 year)											90 days' dividends
Early Withdrawal Fee (Terms longer than 1 year)											180 days' dividends
Checking Accounts
Basic Checking											$2.00/Month To avoid monthly maintenance fee, you must have EFT/Direct Deposit or an Average Daily Balance of at least $200. Fee waived for those 55 and older
Additional Checking											$2.00/Month
Dividend Checking											$8.00/Month To avoid monthly maintenance fee, you must maintain an Average Daily Balance of at least $2500.
Student Checking											None; Must be between  18 - 25 years old
Second Chance  Checking											$8.00/Month
The fees listed below apply to all checking accounts:
Checking Account  Non-Activity											$5.00/Month after 3 months of inactivity
Bounce Protection											$27.00/Item
Non-Sufficient Funds											$27.00/Item
ACH Non-Sufficient Funds											$27.00/Item
Overdraft Protection											$4.00/Transfer
Manual Overdraft											$25.00/Transfer
Copy of Check											$5.00/Each
Stop Pay Check or Sequence of Checks											$25.00/Request
ACH Stop Pay											$25.00/Request
Unblock Stop Pay											$5.00/Request
Return Deposit Item											$25.00/Each
Account Research/Balancing											$25.00/Hour
Debit MasterCard®
Monthly Card Fee											None
ATM Non-Sufficient Funds											$27.00/Item
Card Replacement											$7.00/Card
Card Reactivation											$5.00/Card
Blocked Card											$7.00
Debit Transaction											6 free PIN transactions per month $1.00 per PIN transaction after the 6 free
Credit Transaction											Credit (non PIN) transactions are unlimited
Online Banking Services
Monthly Fee											None
Stop Payment Request											$25.00/Each
Unblock Stop Payment											$5.00/Request
Non-Sufficient Funds											$27.00/Each
Investigation Fee											$25.00/Item
Bill Pay Non-Activity											$5.25/Month after 90 days of inactivity
CU Official Checks/Money Orders/Visa Gift Cards
Check by Phone											$3.00/Check
CU Official Check (3rd Party)											$5.00/Check
Copy of CU Official Check											$5.00/Each
Stop Pay on CU Official Check											$15.00/Each
Money Order Fee											$1.50/Each
Stop Pay on a Money Order											$15.00/Each
Copy of a Money Order											$5.00/Each
Visa Gift Cards											$3.00/Each
Wire Transfers
Incoming Wires											$5.00/Transfer
Outgoing Wires											$15.00/Transfer
Foreign Wires											$30.00/Transfer
Western Union (Domestic)											$20.00/Transfer
Western Union (International)											Prices Vary
Lending Services
Loan Application  (In-Office)											$10.00/Application, refunded upon loan approval
Loan Refinancing (Restrictions Apply)											$25.00/Loan
Loan Late Payment											5% of payment or $15.00 whichever is greater, 10 day grace period
MasterCard® Credit Card
Replacement Card Fee											$5.00/Card
Late Payment											$25.00/Month
Return Check											$27.00/Item
Statement Copy											$5.00/Month
Over the Credit Limit											$25.00
Grace Period											25 days, does not apply to cash advances
Cash Advance											None
Minimum Finance Charge											$0.50
*Method of computing balance for purchases: Average Daily Balance (Including New Purchases)
Other Service Fees
Shared Service Center Fee											$2.25/Visit
Self Service Coin Counting Fee											2% of Total 10% of Total (Non Member)
Account Verification											$7.00/Request
Current Activity Statement											$3.00/Request
Prior Month Statement											$3.00/Month
Foreign Check Handling Fee											$25.00, conversion fees not included
Overnight Delivery of Funds											Prices Vary
Court Order/Tax Levy Fee											$35.00/Each
Legal Fees											Prices Vary
Dormant Account Fee											$5.00/Month, after 24 months
Escheat Fee											$75.00/Account
Return Mail											$5.00/Each
Postal Notification of Address Change											$3.00/Each
Non-Member Check Cashing											$2.00/Item
The fees appearing in this fee schedule are accurate as of 06/01/2011. If you have any questions or require current fee information please call the credit union at (814) 455-6400.
Statutory Lien Notice  If you are in default on a financial obligation to Erie Community Credit Union, Federal Law gives us the right to apply member shares, dividends and deposits in your account(s) at the time of default to satisfy the obligation. When you default we may exercise the right without further notification to you. Further, we may impress shares of any member who is a responsible party on a financial obligation in default at the credit union.