Advertiser Disclosure

Educators Credit Union Student Checking

in Checking Accounts from Educators Credit Union · Member ncua

Unaffiliated

Educators Credit Union Student Checking

Unaffiliated

in Checking Accounts from Educators Credit Union · Member NCUSIF

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 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 maintenance fee of up to $2.
No minimum initial deposit. There is no minimum balance required to open an account.
Hard credit pull. Educators Credit Union may require a hard pull on your credit report to open a checking account.

Educators Credit Union Student Checking Pros & Cons

Pros	Cons
Interest-yielding account. Deposits are insured by the NCUA (up to $250K). Access to physical branches. Free debit card Access to a nationwide network of ATMs.	No signup bonus. Does not offer mobile check deposits. Not FDIC-insured. Only available in one state. Higher than average wire transfer fees. Monthly service charge.

Educators Credit Union Student 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 Student Checking offer?

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

Educators Credit Union Student Checking offers an APY of 0.01% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $2500.

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

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

Educators Credit Union Student Checking Account Minimums
Description	Amount
Minimum Initial Deposit	$0
APY Minimum Balance	$2,500

What fees does Educators Credit Union Student Checking charge?

This account charges a monthly maintenance 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
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

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

This account includes the following features:

Fraud monitoring - Educators Credit Union Student 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.
Nationwide ATM network - Conveniently transact at a nearby ATM.

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.