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Ohio Educational CU
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Fee Schedule

Checking Accounts
Effective Date: April 6, 2016
Package MembershipStandard Membership
Select Checking $3.95 $3.95
Signature Checking Free $5.95 (Note 1)
Copy of Check visa Online Banking Free Free
Copy of Check (NOT via Online Banking) $2.00 $2.00
Copy of Check (Rush Item) $5.00 $5.00
Return Share Draft (Check) $35.00 $35.00
Member Privilege Paid Item in Lieu of Return $35.00 $35.00
Stop Payment $35.00 $35.00
Overdraft Transfer Fee
Waived for transfers under $10.
$5.00 $5.00

ATM/Credit/Debit/Gift Cards
Effective Date: April 6, 2016
Package MembershipStandard Membership
ATM Transactions at OHecu Owned ATM or any ATM that has one of the following network names displayed: Alliance One Credit Union 24 CU HERE, Money Pass, Credit Union CU HERE Select.
 
Free Free
Other than transactions from the above listed
networks, all ATM and Debit Card Transactions
that require a PIN (Personal Identification
Number). (Note 2)
5 Free/Month then $3.00 $3.00
Replacement ATM, Credit, Debit or Gift Card $15.00 $15.00
Nonnegotiable ATM Deposit $25.00 $25.00
Member Privilege ATM or Debit Card Overdraft $35.00 $35.00
ATM or Debit Card PIN Maintenance
Not performed at ATM
$2.00 $2.00
Debit Card Documentation $20.00 $20.00
Prepaid Gift Card $4.00 $4.00
     Monthly Dormancy Fee $1.00 (Note 3) $1.00 (Note 3)
Reloadable Gift Card $9.95 $9.95
     Fee each time additional value added to card $2.00 $2.00

Savings Accounts
Effective Date: April 6, 2016
Package MembershipStandard Membership
Share Account Monthly Maintenance Fee Free $10.00 (Note 4)

IRA
Effective Date: April 6, 2016
Package MembershipStandard Membership
IRA Annual Maintenance Fee Free $25.00

Service Fees
Effective Date: April 6, 2016
Package MembershipStandard Membership
Transaction via a Phone Call with an OHecu or designated employee which can be processed by TONI or Online Banking Free $2.00
Official Check Free $3.00
In-Branch Transaction Service Fee Free Free/$300/day (Note 5)
Mobile Remote Deposit Free Free
Traveler's Checks Free $5.00
Statement Copy via Online Banking Free Free
Statement Copy NOT via Online Banking $2.50 $2.50
Online Banking Free Free
Bill Pay via Online Banking Free (Note 6) Free (Note 6)

Other Fees
Effective Date: April 6, 2016
Fee
Account Balancing & Research (1 Hour Minimum) $25.00/Hour
Account History $1.00/Page
Closing an Account within 90 Days of Opening $5.00
Loan Auto Debit Authorization Change $10.00
Money Order $3.00
Official Check Stop Payment $35.00
Verification of Deposits and Loans $5.00
Non-Member Cashing OHecu Check $10.00
Deposit or Payment Returned $20.00
Deposit or Payment Returned with Collections $30.00
Dormant Account Fee $5.00/Month (Note 7)
Garnishments, Levies and Bank Attachments $5.00
Membership Reinstatement Application Processing Fee $25.00
Paid Item in Lieu of Return $35.00
Return ACH Debit $35.00
Undeliverable Statement
     First Month $10.00
     Each Subsequent Month $5.00
Wire Transfer
     Incoming Domestic $10.00
     Outgoing Domestic $25.00
     Outgoing International $45.00
     Incoming International $25.00
International Currency Conversion Fee on International Credit, Debit and ATM Transactions 1% of Transaction Value


Notes

(1) The $5.95 fee is waived with minimum monthly Direct Deposit of $500 to checking account.

(2) PIN based transactions include withdrawals, point-of-sale, transfers, inquiries and deposits.

(3) Fee charged after 12 months of non-activity.

(4) Waived for any member with active payroll deductions or direct deposit of at least $400 per month to any account for that member number, or for any member with at least $5,000 in aggregate financial relationships with the Credit Union, or if the average daily balance in the primary share account is $100 or greater for the statement period and the actual balance is $100 or greater on the last day of the statement period.

(5) Fee charged for those members with an aggregate balance relationship less than $500 per month.

(6) A $5.00/Month fee is assessed to members enrolled in the OHecu Bill Pay service that have not initiated a monetary transaction through the Bill Pay service for at least three (3) consecutive months.

(7) The fee assessed on memberships that only have a Regular Share Savings account with a balance below $250 and that has had no monetary transactions for twelve (12) consecutive months.  The fee is waived for members under the age of 18.