The following fees may be assessed in connection with your accounts at East Texas Professional Credit Union. All fees and services are subject to change and/or discontinuation without notice.
| Item |
Fee |
| Account Closing(1) (within 90 days of opening) |
$5.00 |
| Account Reopen (outside applicable guidelines) |
$10.00 |
| Account Services (research / reconciliation) |
$15.00 per hour ($5.00 minimum) |
| Cashier Checks |
$5.00 |
Check Cashing Fee
(Applies to share savings balances less than $100 and no other ETPCU services) |
1% of check amount
($2.00 minimum / $15.00 maximum) |
| Check Copy |
$2.00 |
Coin Counter Fee
(Applies to commercial users/high frequency users/high volume users) |
9.9% of total value |
| Collection Service Fee |
$10.00 per item |
| Commercial Loan Drafts for Collection |
$10.00 |
| Copy of Credit Card Statement |
$2.00 per month (most recent 24 month period)
$4.00 per month (older than 24 months) |
| Copy of Statement |
$2.00 per month |
| Electronic Processing Convenience Fee |
$10.00 each |
| Faxes (outgoing) |
$2.00 per fax, 10 page maximum |
| Instant Issue Debit / ATM Card |
$10.00 |
Insufficient Funds
(5 fees max per share suffix each calendar day) |
$25.00 per item |
| Internet Banking w/ Bill Payer Option |
$4.00 monthly |
| Letter of Credit |
$25.00 minimum / 2% maximum |
| Levy / Garnishment Processing Fee |
$25.00 |
| Low Balance Fee(1) (single service / balance below $100) |
$1.00 quarterly |
| MasterCard® Debit Card Foreign Transaction Fee |
1.1% of transaction amount |
| MasterCard® Gift Cards |
$2.50 each |
| Money Orders |
$1.00 each |
| On-Self Return Check Fee |
Current NSF Rate |
| Overdraft Protection Transfers (from Share Savings) |
$1.00 each |
|
Overdraft Courtesy of Checking Account
(5 fees max per calendar day)
|
|
|
-$.01 to -$9.99
|
No fee
|
|
-$10.00 to -$24.99
|
$10.00
|
|
-$25.00 or more
|
$25.00
|
Overdrawn Courtesy Fee for All Other Deposit Accounts
|
(See Tiered Fees Above) |
| Return Check Fee |
$5.00 each |
| Return Item Fee for Loan Payments |
$25.00 per item |
Safe Deposit Boxes(3)
(Longview, LeTourneau, Kilgore and Tyler offices only) |
|
| 3 X 5 X 22 |
$15.00 annually (Kilgore & Tyler only) |
| 3 X 10 X 22 |
$20.00 annually |
| 5 X 10 X 22 |
$30.00 annually |
| 10 X 10 X 22 |
$50.00 annually (Longview, Kilgore & Tyler only) |
| 18 X 10 X 22 |
$100.00 annually (Kilgore only) |
| Replacement Key |
$10.00 |
| Drilling of Box |
$200.00 |
| Stop Payment |
$25.00 each |
| Temporary Checks |
$2.50 / 4 |
| U.S. Outgoing Wire Transfer |
$20.00 |
| U.S. Incoming Wire Transfer |
$5.00 |
| Withdrawals, Transfers at other ATM Locations |
$1.00 |
(1)Applies to share savings accounts only. (2)Applies to share savings balances less than $100 and no other ETPCU services. (3)NCUA Insurance not applicable. (4)Overdraft Courtesy requires approval through ChexSystems. (5)Electronic statements only with free Bill Payer. Paper statements available for $3 monthly fee.
Monthly service charges (low balance fees) applicable on Checking Accounts only. Please refer to the
Checking Accounts page for checking account requirements and details.
| Account |
Monthly Fee |
| Advantage Checking - $50 minimum to open; unlimited check writing; dividends earned; Overdraft Courtesy available(4); new accounts only: extra box of checks free with first order |
No Charge |
|
Platinum Checking - $50 minimum to open; unlimited check writing; Overdraft Courtesy available(4); electronic statements only; free Internet Banking with free Bill Payer(5); new accounts only: extra box of checks free with first order
|
|
|
$1000 daily balance maintained
|
No Charge
|
|
Balances below $1000
|
$5.00
|
| Platinum Plus Checking - $50 minimum to open; unlimited check writing; requires direct deposit, payroll deduction or ACH cumulative monthly deposit of $1000; Overdraft Courtesy available(4); electronic statements only; free Internet Banking with free Bill Payer(5); new accounts only: extra box of checks free with first order |
No Charge |
| Priority Checking - $50 minimum to open; unlimited check writing |
$10.00 |
| Senior Checking (Must be age 60 or over) - $50 minimum to open; unlimited check writing; dividends earned; Overdraft Courtesy available(4); no fee on money orders; Credit Union checks at no charge (Limit 4 boxes per year, 1 box per order) |
No Charge |
| Money Market Plus - $1000 minimum to open; Limit of 6 withdrawals per month; dividends earned; no fee on money orders |
|
| $1000 daily balance maintained |
No Charge |
| Balances below $1,000 |
$7.50 |
| Money Market Checking - $1000 minimum to open; Unlimited check writing; dividends earned; Overdraft Courtesy available(4); no fee on money orders |
|
| $1,000 daily balance maintained |
No Charge |
| Balances below $1,000 |
$7.50 |
| Business Checking - $250 minimum to open; up to 50 withdrawals per month at no fee; withdrawals in excess of 50 are charged at 10¢ per item; up to 200 checks deposited per month at no fee; checks deposited in excess of 200 are charged at 10¢ per item; dividends earned |
|
| $1,000 daily balance maintained |
No Charge |
| Balances below $1,000 |
$10.00 |
| Balances below $1,000 (unlimited check writing) |
$20.00 |
| Locking night drop bags |
$25.00 per 2 bags |
| Replacement keys |
$5 per key |
| Rolled coin |
$.08 per roll |
(1)Applies to share savings accounts only. (2)Applies to share savings balances less than $100 and no other ETPCU services. (3)NCUA Insurance not applicable. (4)Overdraft Courtesy requires approval through ChexSystems. (5)Electronic statements only with free Bill Payer. Paper statements available for $3 monthly fee.
Please view our
Rate Sheet for minimum balance requirements applicable on dividend earning accounts.