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  Educators Credit Union Student Checking

Educators Credit Union Student Checking

in Checking Accounts from Educators Credit Union · ncua

Unaffiliated

Educators Credit Union Student Checking

Unaffiliated

in Checking Accounts from Educators Credit Union · Insured by NCUA

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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 Student Checking Review

Educators Credit Union Student Checking is offered by Educators Credit Union, a credit union founded in 1937 and based in Racine, WI. Educators Credit Union Student 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
  • Access to a nationwide network of ATMs.
  • No signup bonus.
  • 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 Student 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 Student 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 Student Checking Fees
Description
ATM Fee: In-Network $0
Check Copy $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.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
Educators Credit Union Student Checking Disclosure: Sign up for our eStatements to avoid monthly fees
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Message From Educators Credit Union Student Checking

We’ve designed checking accounts without sneaky fees. Student Checking Account (age 13 and over) offer a debit card with no annual fees, points for perks, no limit on the number of transactions, no transaction fees at over 60,000 ATMs and worldwide use anywhere Visa® is accepted.

Availability

  Available in 1 state
Wisconsin
Availabile in all of Wisconsin

Feature Breakdown

APY Minimum Balance $2,500
Minimum Opening Deposit Starting at $0
ATM Fee: In-Network $0
Check Copy $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
Account Features
  • Mobile Check Deposit
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Insured by NCUA
  • Branch Access
  • Check Writing
  • Teen Checking Account
  • Student Checking Account
APY (Annual Percentage Yield) 0.01%

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