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  Educators Credit Union Standard Checking

Educators Credit Union Standard Checking

in Checking Accounts from Educators Credit Union

Unaffiliated

Educators Credit Union Standard Checking

Unaffiliated

in Checking Accounts from Educators Credit Union

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Highlights
Monthly Fee $0 - $2
ATM Fee: Out-of-Network N/A
Minimum Balance to Avoid Monthly Fee $2,500
APY (Annual Percentage Yield) 0% - 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 maintenance fee of up to $2, but the fee is waived if you keep a minimum balance of $2,500.
  • Hard credit pull. Educators Credit Union may require a hard pull on your credit report to open a checking account.
Educators Credit Union Standard Checking Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge.
Educators Credit Union Standard Checking FAQ

Are checking accounts from Educators Credit Union federally insured?

Yes, your Educators Credit Union checking accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. 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 Standard Checking offer?

Educators Credit Union Standard Checking offers an APY starting at 0% and ranging up to 0.01% (APY stands for annual percentage yield, rates may change).

Educators Credit Union Standard Checking Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0% - 0.01%

What are the account minimums for Educators Credit Union Standard Checking?

Educators Credit Union Standard Checking does not require a minimum initial deposit.

Educators Credit Union Standard Checking Account Minimums
Description Amount
Minimum Initial Deposit $0
Minimum Balance to Avoid Monthly Fee $2,500

What fees does Educators Credit Union Standard Checking charge?

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

Educators Credit Union Standard Checking Fees
Description
Monthly Fee $0 - $2
Paper Statement Fee $2
ATM Fee: In-Network $0
ATM Fee: Out-of-Network N/A
NSF Fee $30
Overdraft Protection Fee (per transfer) $5
Overdraft Item Fee $30
Early Account Closure $20
Returned Deposit Fee (Domestic) $30
Debit Card Replacement Fee $5
Bank Teller Fee N/A
Check Cashing Fee $5
Online Bill Pay Fee $5.95
Stop Payment Fee $25
Check Image Service N/A
Check Copy N/A
Foreign Transaction Fee (Debit Card) N/A
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Outgoing) $50
Wire Transfer Fee - International (Incoming) $10
Returned Deposit Fee (International) N/A
Wire Transfer Fee - Domestic (Incoming) $10
ATM Reimbursement Monthly Limit N/A

What features and perks does Educators Credit Union Standard Checking offer?

This account includes the following features:

  • Fraud monitoring - Educators Credit Union Standard Checking monitors transactions for potentially fraudulent 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 Standard Checking allows you to manage your money online.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 1 state
Wisconsin
Availabile in all of Wisconsin

Feature Breakdown

Minimum Initial Deposit $0
Minimum Balance to Avoid Monthly Fee $2,500
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
Bank Account Features
  • Check Writing
  • Branch Access
  • NCUA Member
  • Debit Card
  • Fraud Monitoring
  • Mobile Banking
APY (Annual Percentage Yield) 0% - 0.01%

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SUPERMONEY NET RECOMMENDATION SCORE

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