Fees & Disclosures | EP Federal Credit Union

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Please find below a full list of disclosures, additional information and fees regarding your accounts and EPFCU services.

Account Disclosures & Important Information:

Account Fees

In some cases, a fee may be charged for a special request or service. The following fees were approved by the Board of Directors effective February 1, 2022.

Share Draft Account Fees

Description	Fee
Overdraft Privilege Fee	$30.00
NSF Fee (per draft)	$35.00
Stop Payment (per draft)	$35.00
Share Draft Copy (per draft)	$2.00
Share Draft Faxed Copy (per draft)	$5.00
Automatic Transfer of Funds	$3.00

ATM & Mastercard Debit Card Fees

Description	Fee
Foreign ATM Balance Inquiry	$1.00
Card Replacement	$10.00
PIN Replacement	$5.00
ATM Transactions (EPFCU-Owned ATM)	Free
ATM Transactions (Non-EPFCU ATM)	1 Free/Month; $1.00 each thereafter*
ATM Transactions (Relationship Rewards, Any ATM)	Free
Debit Card Express Re-Issue	$30.00
*There might be a surcharge applied by the owner of the ATM.

Other Fees

Effective October 1, 2026

Description	Fee
Overdrawn Share Account	$30.00
Writ / Levy Fee	$50.00
Return Mail Fee	$1.00
Monthly Bad Address Fee	$10.00
Stop Payment Request (Check or Money Order)	$30.00
Mortgage Verification	$10.00
Excessive Transfers (temporarily no limit)	Temporarily Waived
Subordination Fee	$250.00
Domestic Wire Transfer	$20.00
International Wire Transfer	$50.00
Relationship Rewards Wire Transfers	Free
Traveler’s Card	$9.95
Check Withdrawals Made Payable to Alternate Payees	$3.00
Dormant Account (after one year)	$25.00/month
Account closed within 6 months of opening	$10.00
Paper Statements (new members after 2/1/22)	$2.00/month

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