East County Schools Federal Credit Union

Headquarters: El Cajon, California
Charter: Credit Union
Assets: $146.7M
Fed district: San Francisco

23 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 18, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Regular Checking
Can be waived with a balance of $500 or more.
East County Schools Federal Credit Union: $3
East County Schools Federal Credit Union: $3
U.S. median: no median
NSF / Returned Item
Compared at $15, the middle of its prices
East County Schools Federal Credit Union: $10 to $25
East County Schools Federal Credit Union: $10 to $25
U.S. median: no median
Non-Network ATM
Compared at $2, the middle of its prices
East County Schools Federal Credit Union: $1 to $3
East County Schools Federal Credit Union: $1 to $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from East County Schools Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Fee (Regular Checking)$3
per month
Account Closure within 90 days of opening$5
Notice of Escheat$2
Account Research (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Undeliverable Mail (per mail piece)$5

Overdraft & NSF

Non-Sufficient Funds$25
Returned Check - non-sufficient funds, closed account, stop payment, fraudulent check$15
Returned Check - stale dated checks and missing signature$10
Overdraft Transfer(s)$5

ATM & Card

Non CO-OP ATM Balance Inquiry$1
Non CO-OP ATM Monetary Transaction$3
Card Replacement (1-3 replacements)$5
Card Replacement (after 3 replacements)$25
Rush Debit Card Replacement$40
Foreign Transaction Fee1%of the transaction
Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire - Outgoing Domestic$25
Wire - Outgoing International$45

Check Services

Cashier's Check - 3rd Party Payee$5
Cashier’s Check Stop Payment$20
Stop Payment - Check or ACH$20
Temporary Checks (per page)$5
Not compared: Charged per page; comparison unavailable
per page
Collection Item / Foreign Item$20
Check Copy (After 2 free each month)$2

Cash & Deposit

Non-Member Coin Counting Service (of total amount counted)5%
Non-Member Coin Counting Service (of total amount counted) (audience not stated, treated as personal)5%

Account Services

Notary (Non-Credit Union Documents - per signature)$15
per item
Levy / Garnishment / Legal Process$75
HELOC / 2nd Trust Deed Subordination$100
Verification of Deposit (non ECSFCU Mortgage Loan)$10

Lending Fees

Late Charge$15

Retirement & IRA

IRA Transfer to another Institution$25

Other Fees

Statement Copy (per statement)$5
Real Estate - Full Reconveyance$45
Real Estate - Payoff Demand$30

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee (Regular Checking)	$3	per month	None
Account Closure within 90 days of opening	$5	Not stated	None
Notice of Escheat	$2	Not stated	None
Account Research (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Undeliverable Mail (per mail piece)	$5	Not stated	None
Overdraft & NSF
Non-Sufficient Funds	$25	Not stated	None
Returned Check - non-sufficient funds, closed account, stop payment, fraudulent check	$15	Not stated	None
Returned Check - stale dated checks and missing signature	$10	Not stated	None
Overdraft Transfer(s)	$5	Not stated	None
ATM & Card
Non CO-OP ATM Balance Inquiry	$1	Not stated	None
Non CO-OP ATM Monetary Transaction	$3	Not stated	None
Card Replacement (1-3 replacements)	$5	Not stated	None
Card Replacement (after 3 replacements)	$25	Not stated	None
Rush Debit Card Replacement	$40	Not stated	None
Foreign Transaction Fee	1%of the transaction	Not stated	None
Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire - Outgoing Domestic	$25	Not stated	None
Wire - Outgoing International	$45	Not stated	None
Check Services
Cashier's Check - 3rd Party Payee	$5	Not stated	None
Cashier’s Check Stop Payment	$20	Not stated	None
Stop Payment - Check or ACH	$20	Not stated	None
Temporary Checks (per page)	$5Not compared: Charged per page; comparison unavailable	per page	None
Collection Item / Foreign Item	$20	Not stated	None
Check Copy (After 2 free each month)	$2	Not stated	None
Cash & Deposit
Non-Member Coin Counting Service (of total amount counted)	5%	Not stated	None
Non-Member Coin Counting Service (of total amount counted) (audience not stated, treated as personal)	5%	Not stated	None
Account Services
Notary (Non-Credit Union Documents - per signature)	$15	per item	None
Levy / Garnishment / Legal Process	$75	Not stated	None
HELOC / 2nd Trust Deed Subordination	$100	Not stated	None
Verification of Deposit (non ECSFCU Mortgage Loan)	$10	Not stated	None
Lending Fees
Late Charge	$15	Not stated	None
Retirement & IRA
IRA Transfer to another Institution	$25	Not stated	None
Other Fees
Statement Copy (per statement)	$5	Not stated	None
Real Estate - Full Reconveyance	$45	Not stated	None
Real Estate - Payoff Demand	$30	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 18, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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