Fee Schedule

Other fees associated with particular account types will be disclosed at the time of application and/or approval. The information contained in this Fee Schedule is accurate as of 04/01/2016 and may change after that date. For current information, call us at (812) 477-9271 or toll-free at 1-800-800-9271.

Fee TypeFee Amount
Non-Sufficient Funds (NSF) Returns
Checks, debit card, or electronic overdrafts that are returned due to NSF or closed account.
$27.00
Courtesy Pay
Items paid by discretionary courtesy pay that would otherwise be returned.
$27.00
Overdraft Transfer From Regular Share Account$4.00
Line of Credit Overdraft Transfer
A fee will be charged to the checking account per advancement for automatic overdraft transactions to pay for check, debit card, and ACH transactions. This fee applies only when the credit union advances funds to pay an overdraft. It is not applicable on advancements requested by the member.
$4.00
Stop Payment on Member Check or Electronic Withdrawal $27.00
ET Opportunity Checking $7.50/month
Starter/Temporary Checks$4.00/four
Duplicate Periodic Statement Copy
Members enrolled in ETFCU’s free eStatement service can obtain statement copies online or in a branch at no charge.
$4.00/statement
Duplicate Tax-Reporting Form $2.00
Money Order $2.00
Cashier's Check
There is no charge when a cashier's check is payable to the account holder only or is issued as ETFCU loan proceeds.
$2.00
Cashier's Check Copy$4.00
Deposited or Cashed Check Copy
A $2.00 fee will be charged for a copy of a check deposited or cashed within the past year or $5.00 for a check deposited or cashed longer than one year. Members using ETFCU's online banking can obtain copies of checks written on their ETFCU accounts online at no charge.
$2.00/$5.00
ATM Withdrawals
Up to ten ATM withdrawals per account per month may be made at any ATM without charge by ETFCU. A $2.00 fee will be assessed for each additional ATM withdrawal per month. This fee is withdrawn from the applicable account as one charge at the end of the month. *This fee does not apply to Vertical Dividend and Platinum Rewards Checking accounts.
$2.00 fee charged for each ATM withdrawal over ten*
ATM Fee Reimbursement
Qualified Vertical Dividend and Platinum Rewards Checking accounts may be reimbursed for ATM usage fees that are charged by other institutions. ETFCU will reimburse up to $15.00 to the applicable checking account at the end of the month. Please see ETFCU’s Rate Information for qualification criteria.
Refund up to $15.00
Replacement ATM, Credit, or Debit Rewards Card$5.00
Returned Deposited Check$7.00
Foreign Check Deposit/Collection Item $10.00
Tax Levy/Court Order/Subpoena Processing $20.00/occurrence
Consumer Loan Late Fee
(Applicable when a consumer loan payment is late 15 days or more.)
$25.00
Returned Loan Payment Check$27.00
Skip-a-Loan Payment Processing
(subject to approval)
$35.00
Mortgage Payoff Priority Handling $10.00
Night Depository Key $1.00
Balance/Research Account $20.00/hour
Visa® Gift Card $2.00
Prepaid Reloadable Debit Card
Other prepaid reloadable debit card fees may apply.
Non-Personalized Card$6.00
Personalized Card$7.00
Student Relationship Card$7.00
Coin Counting Service
There is no charge for rolled coin deposits, and coin wrappers are available at no charge.
2% of the amount counted
Domestic Outgoing Wire Transfer$20.00
Foreign Outgoing Wire Transfer
*Additional fees may be charged for foreign wires by the processing and receiving institutions.
$40.00*
Outgoing Local Fax
For purposes unrelated to ETFCU accounts
$2.00
Inactive Account
A primary account owner with aggregate share balances less than $200 and no activity for two years or more will be charged a monthly inactivity fee. Only withdrawals, deposits, and loan payments are considered activity. Primary account owners are exempt from the fee if they are under age 23 or have any of the following products: Individual Retirement, Coverdell Education Savings Account, Health Savings Account, Decedent Share, active loan, Visa credit card, and safe deposit box.
$5.00/month
Printed Checks
ETFCU logo check designs will be available at no charge to Silver Dollar Club members 55 and older. Limit one free box per order and four free boxes per year. Other check designs and duplicate styles will be available at regular price. Members under 23 qualify for a free first box of non-duplicate logo checks. Free checks are available on personal accounts only.
Safe Deposit Box Annual Rental Fees:
3 x 5 x 22 inches$20.00†
3 x 10 x 22 inches$30.00†
5 x 10 x 22 inches$40.00†
10 x 10 x 22 inches$75.00†
†Members 55 and older in the Silver Dollar Club receive a 20% annual discount on one safe deposit box, excluding business, organization, and estate accounts. Any member or entity renting a minimum of three safe deposit boxes receives a 20% discount on each box annually. Silver Dollar Club and multiple-rental discounts may not be combined.
Safe Deposit Box Rental Late Charge$10.00
Safe Deposit Box Key Replacement$7.50
Safe Deposit Box DrillingActual cost

Our business and organization checking account fee schedule is available here.

Other fees associated with particular account types will be disclosed at the time of application and/or approval. The information contained in this Fee Schedule is accurate as of 04/01/2016 and may change after that date. For current information, call us at (821) 477-9271 or toll-free at 1-800-800-9271.