We are pleased to welcome the members of H&H Federal Credit Union to the ECU family.

Education Credit Union and H&H Federal Credit Union have combined efforts, talents, and visions to serve an even greater portion of our beloved Panhandle than either of us could accomplish alone, supporting even more of your friends and neighbors. Education Credit Union and H&H now serve over 36,000 Panhandle residents – you are our members and that makes you our owners.

We will complete the combining of our operating systems in May 2023 to fully serve our H&H Federal Credit Union members.

Please make note of important dates and information below, and feel free to contact us with any questions you may have.

Account Changes

H&H Current Account Switching to ECU’s Account
6 Month Certificate 6 month CD
12 Month Certificate 12 month CD
18 Month Certificate 18 month CD
24 Month Certificate 24 month CD
Alternate Share Account Additional Savings
Bronze Checking Account $mart Checking
Christmas Club Account Additional Savings
Escrow Account Additional Savings
Gold Checking Account $mart Checking
IRA Account IRA
Regular Share Account Share Account
Silver Checking $mart Checking
Super Share Account Super Share Account

Fee Comparison

Products & Services Fee Name H&H Amount ECU Amount
Silver Checking Account Service Charge $5.00/Month if minimum
Average Daily Balance is not met
N/A
Gold Checking Account Service Charge $5.00/Month if minimum
Average Daily Balance is not met
N/A
All Checking Accounts Overdraft Transfer Fee $1.00/Item Applicable only after
three (3) transfers per month
N/A
NSF/Overdraft Fee $22.00/Item $24/Item
Stop Payment Fee $15.00/Request $28/Request

Service Fees On All Accounts

Fee Name H&H Amount ECU Amount
Account Reconciliation Fee N/A $25 per hour (minimum 1/2 hour)
Account Research $25.00/Hour (1 hour minimum charge) $25 per hour (minimum 1/2 hour)
ATM surcharge Fee Varies depending on machine used
Check Printing Fee Prices may vary depending
Check Cashing Fee for Non member N/A Up to 3% of check amount
Check Hold Research Fee N/A $5.00
Closed Account Fee $25.00 fee applies to accounts
closed within 90 days of opening
N/A
Copy of Member Check Fee N/A $3.00 per copy
Deposited Item Return Fee N/A $15.00 per item
Electronic Credit Card Payment N/A $10.00
Fax (outgoing) $1.00/Faxed Page N/A
Gift Check Fee N/A $1.25
Inactivity Fee $3.00 per month after 12 months of inactivity N/A
Items Sent for Collection Fee N/A $3.00 per item
Legal Process Fee N/A Set by Texas law
Lien/Levy/Garnishment/
Writ of Garnishment Processing Fee
N/A $30.00 plus any legal fees incurred by the Credit Union
Loan payment via Debit Card N/A $5.00
Money Order Fee N/A $1.50 each
Photocopy Fee $1.00/Copy N/A
Repossession Processing N/A $250.00 per collateral
Returned Mail Fee N/A $5.00
Statement Copy Fee N/A $2.50 per copy online, $3.50 from microfilm
Stop Payment Corporate Credit Union Checks N/A $28.00
Teller Check Fee $2.00 Per Check $2.00/each
Temporary Check Printing N/A First Time Free; Additional: $3/12
Wire Transfer Domestic (Outgoing) Fee $12.00/Transfer $20 per transfer
Wire Transfer Foreign (outgoing) fee $30.00/Transfer $20.00 plus correspondent fees
per transfer

Electronic Funds Transfer on All Accounts

Fee Name H&H Amount ECU Amount
ATM Fees N/A Non-sufficient funds fee $24.00
lost stolen (merchant recapture)
fee of $50.00
VISA Debit Card Fees N/A Non-sufficient funds fee $24.00
lost stolen (merchant recapture)
fee of $50.00
Preauthorized EFT Fees N/A Non-sufficient funds fee $24.00

eDocs

Fee Name H&H Amount ECU Amount
Monthly Fee N/A No Fee

Online Digital Documents

Fee Name H&H Amount ECU Amount
Signing Fee N/A No Fee

Web Bill Payment

Fee Name H&H Amount ECU Amount
Monthly Fee N/A Free
Monthly Fee with eDocs N/A Free
Monthly Fee with Golden Apple Checking N/A Free
Stop Payment Fee N/A $28.00
NSF Fee N/A $24.00

eBranch

Fee Name H&H Amount ECU Amount
Monthly Fee N/A No Fee
Money Management Monthly Fee N/A No Fee
Mobile Banking Monthly Fee N/A No Fee
External Account Funds Transfer/Person-to-Person fee N/A Per Transfer
Incoming N/A No Fee
Outgoing $2.50
Next Day (outgoing)* N/A $5.00
NSF N/A $24.00 per item
Person-to-Person Stop Payment Fee N/A $28.00

*$2,000.00 per day limit; $5,000 rolling day limit; eligibility for Next Day Service and High Limits over $2,000.00 must meet eligibility requirements as follows: must have sent $1,000.00 or more in the prior 6 months, be a member in good standing, and have had zero NSF’s.

Safe Deposit Box**

Fee Name H&H Amount ECU Amount
Annual Rental 3×10 Size N/A $24.00
Annual Rental 5×10 Size N/A $40.00
Annual Rental 10×10 Size N/A $72.00
Change of Lock Fee N/A $25.00, plus any locksmith charges
Drilling of Box Fee N/A $25.00, plus any locksmith charges for drilling
Replacement Key Fee (per pair) N/A $25.00

**NCUA Does Not Insure Safe Deposit Box Contents

Share Value/Membership Fee

Fee Name H&H Amount ECU Amount
Par Value of One Share $5.00 $5.00
Membership Fee N/A $1.00 to open account
N/A $12.00 to reopen the second time within a 12 month
period of closing the membership share account
N/A $24.00 to reopen the third time within a 12 month
period of closing the membership share account
N/A $24.00 to reopen the fourth time or more within a 12
month period of closing the membership share account

VISA® Credit & Debit Card

Fee Name H&H Amount ECU Amount
Replacement Fee $15.00*** N/A
***We reserve the right to charge this fee at any time for replacement of lost or damaged cards.
MasterCard Gift Cards **** N/A
****Purchase fee of up to $6.95 for any denomination. Monthly inactivity fee of $2.95 after 12 months of inactivity. $5.00 for lost/stolen cards.

Money Market

Fee Name H&H Amount ECU Amount
Withdrawal Fee N/A 6 free withdrawals per month, $7.50 fee per withdrawal after

Super Money Market

Fee Name H&H Amount ECU Amount
Withdrawal Fee N/A 3 free withdrawals per month, $7.50 fee per withdrawal after

ALL FEES BASED ON PER ITEM ARE PER PRESENTMENT

Our credit unions were founded with the core purpose of “People Helping People” by teachers, for teachers, and school employees. Both credit unions have a long, well-documented history of service and success in our communities and look forward to the impacts we will make in our communities together.

Important Dates

Account Conversion for H&H Members: April 28-May 1, 2023. All H&H Branches will be closed during this conversion.

H&H Members have access to ECU Accounts, Loans, and Services: May 2, 2023

Look for more information about this important

ATM Locations

Reminder! H&H Members now have access to sur-charge-free ATMs throughout the Panhandle Region!