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Educators Credit Union Standard Checking

in Checking Accounts from Educators Credit Union · ncua

Unaffiliated

Educators Credit Union Standard Checking

Unaffiliated

in Checking Accounts from Educators Credit Union · Insured by NCUA

Not enough votes for recommendation

Highlights
Monthly Fee	$0 - $2
ATM Fee: Out-of-Network	N/A
Minimum Balance to Avoid Monthly Fee	N/A
APY (Annual Percentage Yield)	0.01%

Educators Credit Union Standard Checking Review

Educators Credit Union Standard Checking is offered by Educators Credit Union, a credit union founded in 1937 and based in Racine, WI. Educators Credit Union Standard Checking is available in 1 state across the USA.

Key Takeaways

Low APY. The maximum annual percentage yield for this account is only 0.01%.
Charges a monthly fee. This account charges a monthly service fee of up to $2.
No minimum initial deposit. There is no minimum balance required to open an account.

Educators Credit Union checking account Pros & Cons

Pros	Cons
Dividend-yielding account Insured by NCUA. Access to physical branches. Free debit card	No signup bonus. Does not provide access to a nationwide ATM network. Only available in one state. Higher than average wire transfer fees. Monthly service charge.

Educators Credit Union checking account FAQ

Are checking accounts from Educators Credit Union federally insured?

Yes, your Educators Credit Union checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does Educators Credit Union checking account offer?

Educators Credit Union Standard Checking Rates & Terms
Description
APY (Annual Percentage Yield)	0.01%

Educators Credit Union checking account offers an APY of 0.01% (APY stands for annual percentage yield, rates may change). However, to earn interest account holders must keep an average beginning day balance of $2500.

What are the account minimums for Educators Credit Union checking account?

Educators Credit Union checking account does not require a minimum initial deposit.

Educators Credit Union Standard Checking Minimums
Description
APY Minimum Balance	$2,500
Minimum Opening Deposit	Starting at $0

What fees does Educators Credit Union checking account charge?

This account charges a monthly service fee of up to $2.

Educators Credit Union Standard Checking Fees
Description
ATM Fee: In-Network	$0
Check Cashing Fee	$5
Debit Card Replacement Fee	$5
Early Account Closure	$20
Monthly Fee	$0 - $2
NSF Fee	$30
Online Bill Pay Fee	$5.95
Overdraft Item Fee	$30
Overdraft Protection Fee (per transfer)	$5
Paper Statement Fee	$2
Returned Deposit Fee (Domestic)	$30
Stop Payment Fee	$25
Wire Transfer Fee - Domestic (Incoming)	$10
Wire Transfer Fee - Domestic (Outgoing)	$20
Wire Transfer Fee - International (Incoming)	$10
Wire Transfer Fee - International (Outgoing)	$50

Does Educators Credit Union checking account charge overdraft fees?

Yes, Educators Credit Union checking account charges a $30 fee for every overdraft.

Educators Credit Union checking account offers overdraft protection at a cost of $5 per transaction.

What features and perks does Educators Credit Union checking account offer?

This account includes the following features:

Fraud monitoring - Educators Credit Union checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Mobile Banking Services - Educators Credit Union checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

Educators Credit Union Standard Checking Disclosure: Sign up for our eStatements to avoid monthly fees

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