20 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 17, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
Compared at $3, the middle of its prices
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from Educational Community Federal Credit Union’s own schedules, with a source for each figure.
per quarter
per hour
per month
per transaction
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account closed within 90 days of opening | $25 | Not stated | None |
| Dormant account closure and state remittance to MO | $25 | Not stated | None |
| Dormant account fee (Quarterly) | $10Not compared: Quarterly charge, not monthly | per quarter | None |
| Account research by staff | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address (per month) | $5 | per month | None |
Overdraft & NSF | |||
| Overdraft – Courtesy Pay (negative balance) | $30 | Not stated | None |
| Overdraft – electronic (ACH, ATM, debit card, POS) | $30 | Not stated | None |
| Overdraft – share drafts (NSF, uncollected funds) | $30 | Not stated | None |
| Return ACH item | $25 | Not stated | None |
ATM & Card | |||
| ATM withdrawal - foreign (non-CO-OP ATM) | $1 | Not stated | None |
| Visa travel card ($3,000 max.) Initial purchase Reload ATM withdrawal ATM balance inquiry | $5 | Not stated | None |
| Replacement ATM/debit card/credit card | $10 | Not stated | None |
| International Currency Conversion Fee | 1%of the transaction | per transaction | None |
| International Currency Conversion Fee (audience not stated, treated as personal) | 1%of the transaction | per transaction | None |
Wire Transfers | |||
| Wire transfers - domestic outgoing (via Federal Reserve) | $30 | Not stated | None |
| Wire transfers - domestic incoming (via Federal Reserve) | $10 | Not stated | None |
| Western Union & wire transfers – international | $50 | Not stated | None |
Check Services | |||
| Cashier’s check | $2 | Not stated | None |
| Money order (third-party payment) | $2 | Not stated | None |
| Stop payment (ACH or share draft) | $20 | Not stated | None |
| Stop payment (teller/cashier's check) | $20 | Not stated | None |
| Counter check Up to two per visit More than two per visit (each) | $0.50 | Not stated | None |
| Cleared check copy In Person Internet Banking | $2 | Not stated | None |
Digital & Electronic | |||
| ACH Origination NSF/Return Item Fee | $25 | Not stated | None |
Account Services | |||
| Notary service to members | No charge | Not stated | None |
| Notary service to non-members | $5 | Not stated | None |
| Safe deposit box drilled: Approximately | $225Not compared: Box drilling or key fee | Not stated | None |
| Safe deposit box key replacement: Approx | $25Not compared: Box drilling or key fee | Not stated | None |
| Garnishment fee at funds pay out | $20 | Not stated | None |
Gift & Prepaid Cards | |||
| Visa® gift card ($1,000 max.) | $5 | Not stated | None |
Other Fees | |||
| Copies (per page) | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
| Fax documents | $2 | 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
Oct 17, 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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