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Savings Accounts
With as little as $5.00 and a completed
membership application, you can
open a savings
account with attractive dividend rates
and no monthly fees. Conducting your financial business has never been easier or more
convenient with payroll deduction, direct deposit, Command Call,
24-Hour Telephone Banking,
24-Hour Online Banking and a CURT ATM card. Call
our Member Contact Center at ext. 5101, for more information.
The National Credit Union Administration (NCUA) federally
insures your savings to at least $100,000 and is backed by the full faith and
credit of the United States Government. For more information on your share
protection insurance, see the NCUA publication titled
Your Insured Funds.
Certificates
Earn higher rates by locking your funds into a certificate term of your choice - 6, 12, 18, 30, 48, or 60 months. A minimum $1,000 is required to open a certificate. There is a seven day grace period following the maturity of a certificate account, during which you may withdraw the funds without being charged an early withdrawal penalty. There is a penalty for early withdrawal. Call our Member Contact Center at ext. 5101 for more information or visit any branch to open an account.
Truth
in Savings Schedule of Fees
|
CURT CARD and
CURTPlus Card |
|
ATM and POINT OF
SALE (POS) TRANSACTIONS
|
| TRANSACTION |
AEFCU |
NYCE |
CIRRUS |
| Cash
Withdrawals |
|
|
|
|
Savings |
FREE |
$1.00 |
$1.00 |
|
Checking** |
FREE |
$1.00 |
$1.00 |
|
Club Accounts |
FREE |
N/A |
N/A |
|
Money Market |
FREE |
N/A |
N/A |
| Balance
Inquires |
FREE |
$1.00 |
$1.00 |
| Transfers |
FREE |
$1.00 |
$1.00 |
| Deposits |
FREE |
$1.00 |
N/A |
| NYCE
Point of Sale |
N/A |
FREE |
N/A |
| NYCE
A2A Transfer |
N/A |
FREE |
N/A |
| NYCE
Bill Payment |
N/A |
FREE |
N/A |
|
FOREIGN
ATM WITHDRAWALS FROM YOUR AEFCU CHECKING ACCOUNT: |
|
AMERICAN
CHECKING ACCOUNTS |
First 4 ATM
withdrawals - free |
|
With Direct
Deposit, 6 ATM withdrawals - free |
|
TRADITIONAL
CHECKING ACCOUNTS |
With Direct
Deposit, 2 ATM
withdrawals - free |
|
E-CHECKING ACCOUNTS |
First 6 ATM
withdrawals - free |
|
With Direct
Deposit, 8 ATM withdrawals - free |
|
ULTIMATE
CHECKING ACCOUNTS |
First 6 ATM
withdrawals - free |
|
With Direct
Deposit, 8 ATM withdrawals - free |
|
VISA®
TRANSACTIONS (CURTPlus
CARD)
|
| AT
VISA®
merchant - $.00 |
| AT
financial institution - $.00 |
| Non
Sufficient Funds (NSF) posted to checking account - $30.00 |
|
Replacement of
lost or stolen card - $5.00 |
|
Card rush deliver - $10.00 |
| |
DAILY
CASH LIMIT |
LOWER
LIMIT* |
|
ATM |
$500 |
$100 |
NYCE® (AGGREGATE) POS, A2A,
BILL PAYMENT |
$2,500 |
$500 |
CURTPlus VISA® CARD
OUTSTANDING AUTHORIZATIONS |
$5,000 |
$2,500 |
|
* Lower limits apply whenever
the network location is unable to communicate with the Credit
Union. There is no limit on the number of daily ATM, NYCE®, POS, A2A, and
Bill Payment transactions. There is a limit of 10 VISA® transactions per day on the CURTPlus card. |
|
Other financial
institutions may charge a fee for use of their ATMs. |
|
MISCELLANEOUS |
| Check
printing |
fee
depends on style
of check ordered |
|
Money order |
$2.00 |
|
Official checks t |
$3.00 |
|
Traveler's cheques
(single signature) |
$1.00 per $100.00 |
|
Traveler's cheques for two |
$1.50 per $100.00 |
|
Deposited checks
(and other items) returned unpaid |
$20.00 |
|
Non sufficient funds items
returned |
$30.00 |
|
Non sufficient funds - Overdraft
Privilege |
$30.00 |
|
Automated clearing
house (ACH) items returned |
$30.00 |
|
Stop payments |
$15.00 |
|
Domestic wire transfer (Outgoing) |
$10.00 |
|
Foreign wire transfer (Outgoing) |
$25.00 |
IRA transfer to another financial
institution
(excluding transfer to American Eagle Financial Services, LLC) |
$15.00 |
|
Copy of check |
$2.50 |
|
Copy of statement (for each
statement cycle over 60 days) |
$1.00 |
|
Research and account balancing (min. one hour) |
$20.00 per hour |
|
Overdraft Coverage
from Savings |
$5.00 per transfer |
|
Ultimate Checking tt |
$15.00 per month |
|
Inactive Checking
account o |
$1.00 per month |
|
Inactive Savings
account oo |
$1.00 per month |
t Applies to two or more checks per day.
tt If your combined related Credit Union accounts
(deposits and loans) fall below $15,000.
o Member only has a savings and checking account with a
combined balance less than $100, with no activity for six
consecutive months, is age 22 or older, and not joint on a loan. Fee
does not apply to Ultimate Checking accounts.
oo Member only has a savings with a balance less than $100, with no
activity for six consecutive months, is age 22 or older, and not
joint on a loan.
Certain fees disclosed above may
be waived with product offerings by the Credit Union.
Please refer to associated account agreements and fee
schedules. |
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