Accounts and Services - Scott & White Employees Credit Union

Rate information: The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the Credit Union Board of Directors.

Compounding and crediting: Dividends will be compounded every month. Dividends will be credited to your account every month.

Dividend Period: For this account type the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow the same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31. If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum Balance Requirements: The minimum balance required to open this account is $25.00. You must maintain an average daily balance of $100.00 in your account to obtain the disclosed annual percentage yield.

Average Daily Balance Computation Method: Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance for each day of the period and dividing that figure by the number of days in the period.The period we use is the monthly statement cycle.

Accrual of Dividends on Noncash Deposits: Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction Limitations: During any month, you may not make more than six withdrawls or transfers to another Credit Union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.

Share Account (Savings)	Minimum Balance
To Open	$25.00
To Earn Dividends	$100.00

Share Withdrawl Fee
(1 per month at no charge)	$1.00

Share Draft Account (Checking)	Minimum Balance
To Open	$100.00
To Earn Dividends	$400.00

Money Manager Account	Minimum Balance
To Open	$500.00
To Earn Dividends	$500.00

ATM Usage Fees
SWECU Owned ATM	$0.00

Non-Owned ATMs
Balance Inquiry or Transfer	$1.00
Cash Withdrawls or POS	$1.00
ATM & Debit Card Fees
Replace or Lost Card	$5.00
PIN Re-issue	$5.00

Misc. Fees
Money Orders	$1.00
Teller's Checks (1 per mo. no charge)	$1.00
Temporary Checks (set of 12)	$2.00
American Express Traveler's Cheques	.50 per $100.00
American Express Gift Cheques	$2.50 each
American Express Gift Cards	$3.95 each
Share Withdrawal Fee (1 per month no charge)	$1.00
Share Draft Minimum Balance Fee (If balance falls below $400.00 during the monthly statement cycle)	$5.00

Overdraft protection/Transfer Fee (per transaction)	$3.00
*Non-Sufficient Funds/Overdraft Privilege Fee (Share Draft, Debit Card, ATM, ACH-per item)	$20.00
Stop Payment	$20.00
Research Fee	$20.00 per hour (1 hr. minimum)
Western Union Wire	$15.00
Wire Transfer Fees (Outgoing)
Domestic	$10.00
Foreign	$30.00
Photocopy of share draft (check) (2 free per month)	$2.00
Statement Copy Fee (per page)	$1.00
Transaction Print Out (per page)	$1.00
Foreign Collection Item	$5.00 - $20.00
Home Banking with checking account w/o checking account	FREE $2.00 per month
Bill Payment (waived if member makes at least 5 bill payment transactions per month or maintains a $2,500 average monthly checking balance)	$5.50 per month
Fee for Closing Accounts
Primary Share Account
First 90 days after opening	$25.00
90 days to 12 months after opening	$15.00
Convenience Checking
First 60 days after opening	$25.00
Vitals 24 Hour Telephone Audio Response (with Convenience Checking Account)	$3.00 per month
Check Cashing Fee(waived if member has $250 on deposit, a checking account, a loan, or a Mastercard with the credit union)	1% of checks cashed

*The Overdraft Privilege Fee is imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, debit card transactions, or by other electronic means.

Vitals ™ is SWECU's Audio Response System that allows you access to your accounts 24 hours a day, everyday. Use any touch tone telephone anywhere and call 1-800-789-4378 to;

Compounding and crediting: Dividends will be compounded every month. Dividends will be credited to your account every month.

Minimum Balance Requirements: The minimum balance required to open this account is $500.00. You must maintain the average daily balance required to obtain the highest disclosed annual percentage yield.

Daily Balance Computation Method: Dividends are calculated by the daily balance method which applies a daily periodic rate to the daily balance in the account each day.

Accrual of Dividends on Noncash Deposits: Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Compounding and crediting: Dividends will be compounded every month. Dividends will be credited to your account every month.

Minimum Balance Requirements: The minimum balance required to open this account is $250.00. You must maintain an average daily balance of $250.00 in your account to obtain the disclosed annual percentage yield.

Accrual of Dividends on Noncash Deposits: Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction Limitations: You may not make any withdrawls or transfers to another Credit Union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party.

Now you can access your Credit Union accounts from almost anywhere. At an ATM where you see the Pulse, Cirrus or Exchange logo you can;

Contact Scott and White Employees Credit Union for an application and more information.