Educators Federal Credit Union

Headquarters: Waco, Texas
Charter: Credit Union
Assets: $609.5M
Fed district: Dallas

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

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

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

Monthly Maintenance
Account includes
Can be waived with a balance of $500 or more.
Educators Federal Credit Union: $5
Educators Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Educators Federal Credit Union: $28
Educators Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Educators Federal Credit Union: $28
Educators Federal Credit Union: $28
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas 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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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 Educators Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account includes Monthly service fee$5
per month
Closing Account within 90 Days from Opening Date$10
Statement Returned Undeliverable (return mail)$5

Overdraft & NSF

Overdraft Paid by Over Draft Protection (OD)$28
Overdraft/Non-Sufficient Funds (NSF)$28
Overdraft/Non-Sufficient Funds (NSF)$28
Overdraft Transfer – Per Item (from Savings Account or Line-of-Credit Loan)$1
per item

ATM & Card

ATM Transaction (off-site/non-ECU terminal)$1
Immediate Replacement of Debit/ATM Card Not available at all locations$10
Expedited Replacement Debit/ATM Card (mailed)$35

Wire Transfers

Wire Transfer (outgoing)$20
Wire Transfer (incoming)No charge

Check Services

Cashiers Check$5
Money Order$1.50
Stop Payment (check & electronic draft)$28
Temporary Checks (4 checks per page) price per page$2
per item
Draft (check) Copy Faxed$5
Draft (check) Copy Mailed$5

Cash & Deposit

Coin Counting2%
Coin Counting (audience not stated, treated as personal)2%

Account Services

Legal Processing Fee$50
per item

Other Fees

Copy Faxed$5
Fax Service (local number)$3
Photocopy per page$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Account includes Monthly service fee	$5	per month	None
Closing Account within 90 Days from Opening Date	$10	Not stated	None
Statement Returned Undeliverable (return mail)	$5	Not stated	None
Overdraft & NSF
Overdraft Paid by Over Draft Protection (OD)	$28	Not stated	None
Overdraft/Non-Sufficient Funds (NSF)	$28	Not stated	None
Overdraft/Non-Sufficient Funds (NSF)	$28	Not stated	None
Overdraft Transfer – Per Item (from Savings Account or Line-of-Credit Loan)	$1	per item	None
ATM & Card
ATM Transaction (off-site/non-ECU terminal)	$1	Not stated	None
Immediate Replacement of Debit/ATM Card Not available at all locations	$10	Not stated	None
Expedited Replacement Debit/ATM Card (mailed)	$35	Not stated	None
Wire Transfers
Wire Transfer (outgoing)	$20	Not stated	None
Wire Transfer (incoming)	No charge	Not stated	None
Check Services
Cashiers Check	$5	Not stated	None
Money Order	$1.50	Not stated	None
Stop Payment (check & electronic draft)	$28	Not stated	None
Temporary Checks (4 checks per page) price per page	$2	per item	None
Draft (check) Copy Faxed	$5	Not stated	None
Draft (check) Copy Mailed	$5	Not stated	None
Cash & Deposit
Coin Counting	2%	Not stated	None
Coin Counting (audience not stated, treated as personal)	2%	Not stated	None
Account Services
Legal Processing Fee	$50	per item	None
Other Fees
Copy Faxed	$5	Not stated	None
Fax Service (local number)	$3	Not stated	None
Photocopy per page	$1	per item	None

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

Account Maintenance

Commercial Checking Account (balance below $2,500)$15
Closing Account within 90 Days from Opening Date$10
Statement Returned Undeliverable (return mail)$5

Overdraft & NSF

Overdraft Paid by Over Draft Protection (OD)$28
Overdraft/Non-Sufficient Funds (NSF)$28
Overdraft/Non-Sufficient Funds (NSF)$28
Overdraft Transfer – Per Item (from Savings Account or Line-of-Credit Loan)$1
per item

ATM & Card

ATM Transaction (off-site/non-ECU terminal)$1
Immediate Replacement of Debit/ATM Card Not available at all locations$10
Expedited Replacement Debit/ATM Card (mailed)$35

Wire Transfers

Wire Transfer (outgoing)$20
Wire Transfer (incoming)No charge

Check Services

Cashiers Check$5
Money Order$1.50
Stop Payment (check & electronic draft)$28
Temporary Checks (4 checks per page) price per page$2
per item
Draft (check) Copy Faxed$5
Draft (check) Copy Mailed$5

Cash & Deposit

Coin Counting2%

Account Services

Legal Processing Fee$50
per item

Other Fees

Copy Faxed$5
Fax Service (local number)$3
Photocopy per page$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Commercial Checking Account (balance below $2,500)	$15	Not stated	None
Closing Account within 90 Days from Opening Date	$10	Not stated	None
Statement Returned Undeliverable (return mail)	$5	Not stated	None
Overdraft & NSF
Overdraft Paid by Over Draft Protection (OD)	$28	Not stated	None
Overdraft/Non-Sufficient Funds (NSF)	$28	Not stated	None
Overdraft/Non-Sufficient Funds (NSF)	$28	Not stated	None
Overdraft Transfer – Per Item (from Savings Account or Line-of-Credit Loan)	$1	per item	None
ATM & Card
ATM Transaction (off-site/non-ECU terminal)	$1	Not stated	None
Immediate Replacement of Debit/ATM Card Not available at all locations	$10	Not stated	None
Expedited Replacement Debit/ATM Card (mailed)	$35	Not stated	None
Wire Transfers
Wire Transfer (outgoing)	$20	Not stated	None
Wire Transfer (incoming)	No charge	Not stated	None
Check Services
Cashiers Check	$5	Not stated	None
Money Order	$1.50	Not stated	None
Stop Payment (check & electronic draft)	$28	Not stated	None
Temporary Checks (4 checks per page) price per page	$2	per item	None
Draft (check) Copy Faxed	$5	Not stated	None
Draft (check) Copy Mailed	$5	Not stated	None
Cash & Deposit
Coin Counting	2%	Not stated	None
Account Services
Legal Processing Fee	$50	per item	None
Other Fees
Copy Faxed	$5	Not stated	None
Fax Service (local number)	$3	Not stated	None
Photocopy per page	$1	per item	None

Correct a fee source

Nov 4, 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.

Fee change alerts

Get an email when Educators Federal Credit Union's nsf / returned item changes in our data

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Fees against the market

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

Monthly Maintenance
Account includes
Can be waived with a balance of $500 or more.
Educators Federal Credit Union: $5
Educators Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Educators Federal Credit Union: $28
Educators Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Educators Federal Credit Union: $28
Educators Federal Credit Union: $28
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas 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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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.

Published fee schedule

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

Account Maintenance

Account includes Monthly service fee$5
per month
Closing Account within 90 Days from Opening Date$10
Statement Returned Undeliverable (return mail)$5

Overdraft & NSF

Overdraft Paid by Over Draft Protection (OD)$28
Overdraft/Non-Sufficient Funds (NSF)$28
Overdraft/Non-Sufficient Funds (NSF)$28
Overdraft Transfer – Per Item (from Savings Account or Line-of-Credit Loan)$1
per item

ATM & Card

ATM Transaction (off-site/non-ECU terminal)$1
Immediate Replacement of Debit/ATM Card Not available at all locations$10
Expedited Replacement Debit/ATM Card (mailed)$35

Wire Transfers

Wire Transfer (outgoing)$20
Wire Transfer (incoming)No charge

Check Services

Cashiers Check$5
Money Order$1.50
Stop Payment (check & electronic draft)$28
Temporary Checks (4 checks per page) price per page$2
per item
Draft (check) Copy Faxed$5
Draft (check) Copy Mailed$5

Cash & Deposit

Coin Counting2%
Coin Counting (audience not stated, treated as personal)2%

Account Services

Legal Processing Fee$50
per item

Other Fees

Copy Faxed$5
Fax Service (local number)$3
Photocopy per page$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Account includes Monthly service fee	$5	per month	None
Closing Account within 90 Days from Opening Date	$10	Not stated	None
Statement Returned Undeliverable (return mail)	$5	Not stated	None
Overdraft & NSF
Overdraft Paid by Over Draft Protection (OD)	$28	Not stated	None
Overdraft/Non-Sufficient Funds (NSF)	$28	Not stated	None
Overdraft/Non-Sufficient Funds (NSF)	$28	Not stated	None
Overdraft Transfer – Per Item (from Savings Account or Line-of-Credit Loan)	$1	per item	None
ATM & Card
ATM Transaction (off-site/non-ECU terminal)	$1	Not stated	None
Immediate Replacement of Debit/ATM Card Not available at all locations	$10	Not stated	None
Expedited Replacement Debit/ATM Card (mailed)	$35	Not stated	None
Wire Transfers
Wire Transfer (outgoing)	$20	Not stated	None
Wire Transfer (incoming)	No charge	Not stated	None
Check Services
Cashiers Check	$5	Not stated	None
Money Order	$1.50	Not stated	None
Stop Payment (check & electronic draft)	$28	Not stated	None
Temporary Checks (4 checks per page) price per page	$2	per item	None
Draft (check) Copy Faxed	$5	Not stated	None
Draft (check) Copy Mailed	$5	Not stated	None
Cash & Deposit
Coin Counting	2%	Not stated	None
Coin Counting (audience not stated, treated as personal)	2%	Not stated	None
Account Services
Legal Processing Fee	$50	per item	None
Other Fees
Copy Faxed	$5	Not stated	None
Fax Service (local number)	$3	Not stated	None
Photocopy per page	$1	per item	None

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

Account Maintenance

Commercial Checking Account (balance below $2,500)$15
Closing Account within 90 Days from Opening Date$10
Statement Returned Undeliverable (return mail)$5

Overdraft & NSF

Overdraft Paid by Over Draft Protection (OD)$28
Overdraft/Non-Sufficient Funds (NSF)$28
Overdraft/Non-Sufficient Funds (NSF)$28
Overdraft Transfer – Per Item (from Savings Account or Line-of-Credit Loan)$1
per item

ATM & Card

ATM Transaction (off-site/non-ECU terminal)$1
Immediate Replacement of Debit/ATM Card Not available at all locations$10
Expedited Replacement Debit/ATM Card (mailed)$35

Wire Transfers

Wire Transfer (outgoing)$20
Wire Transfer (incoming)No charge

Check Services

Cashiers Check$5
Money Order$1.50
Stop Payment (check & electronic draft)$28
Temporary Checks (4 checks per page) price per page$2
per item
Draft (check) Copy Faxed$5
Draft (check) Copy Mailed$5

Cash & Deposit

Coin Counting2%

Account Services

Legal Processing Fee$50
per item

Other Fees

Copy Faxed$5
Fax Service (local number)$3
Photocopy per page$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Commercial Checking Account (balance below $2,500)	$15	Not stated	None
Closing Account within 90 Days from Opening Date	$10	Not stated	None
Statement Returned Undeliverable (return mail)	$5	Not stated	None
Overdraft & NSF
Overdraft Paid by Over Draft Protection (OD)	$28	Not stated	None
Overdraft/Non-Sufficient Funds (NSF)	$28	Not stated	None
Overdraft/Non-Sufficient Funds (NSF)	$28	Not stated	None
Overdraft Transfer – Per Item (from Savings Account or Line-of-Credit Loan)	$1	per item	None
ATM & Card
ATM Transaction (off-site/non-ECU terminal)	$1	Not stated	None
Immediate Replacement of Debit/ATM Card Not available at all locations	$10	Not stated	None
Expedited Replacement Debit/ATM Card (mailed)	$35	Not stated	None
Wire Transfers
Wire Transfer (outgoing)	$20	Not stated	None
Wire Transfer (incoming)	No charge	Not stated	None
Check Services
Cashiers Check	$5	Not stated	None
Money Order	$1.50	Not stated	None
Stop Payment (check & electronic draft)	$28	Not stated	None
Temporary Checks (4 checks per page) price per page	$2	per item	None
Draft (check) Copy Faxed	$5	Not stated	None
Draft (check) Copy Mailed	$5	Not stated	None
Cash & Deposit
Coin Counting	2%	Not stated	None
Account Services
Legal Processing Fee	$50	per item	None
Other Fees
Copy Faxed	$5	Not stated	None
Fax Service (local number)	$3	Not stated	None
Photocopy per page	$1	per item	None

Correct a fee source

Nov 4, 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.