FEE SCHEDULE - Effective 1/11/2010      All fees subject to change without notice

Check Cashing: Members will be eligible for free check cashing when they: 1. Have a total savings balance of $100 or greater OR 2. Have other active accounts (checking, IRA, loan, Certificates).  Members not meeting the above may be subject to a check cashing fee at the rate of $1.00 per hundred to cash any check or withdrawal of their entire direct deposit.  Minimum charge is $1.00.  No two party checks will be cashed unless there are sufficient funds in your account to cover them. Service fee on checks cashed or deposited that have been returned for any reason: $1.00 - $500 = $10 Fee, $501 and above = $15 Fee.  We reserve right to not redeposit the check.

Miscellaneous Checking Information: Your account may be forced closed after 3 instances of overdrafts or returned items.  Service fees are withdrawn on the last day of the month.  If an EAC account is closed by the member or the Credit Union, any outstanding checks from that date are returned and if a fee is accessed by our depositor then that fee will be passed to the pertaining member.  Credit applications are required for all checking lines of credit or overdraft protection and may be requested for approval of an expandacheck account.  A fee may be required.  No services fees for full time students and members 65 and older.