Convenience Services

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Convenience Services

ECU offers a number of convenience services for our members. Take advantage of these services.

ATMs
ATM SAFETY PRECAUTIONS
AUTOMOBILE LICENSE TAGS
CASHIER'S CHECKS
CHECKING/DEBIT CARDS
DIRECT DEPOSIT
INSURANCE OPTIONS
MASTERCARD^® CREDIT CARDS
MONEY ORDERS
OVERDRAFT PROTECTION
PAYROLL DEDUCTION
SAFE DEPOSIT BOXES
TRAVELERS CHECKS
VISA GIFT CARDS
WIRE TRANSFERS

ATMs
ECU offers free ATM access at all Educators Credit Union locations, as well as our ATM located in the lobby of Education Service Center Region 12 in Waco.

To read ATM Safety Precautions, click here.

Due to international ATM fraud, ECU ATM cards cannot be used for transactions outside the United States (exceptions are ATM facilities on a military base or other U.S. installations).

AUTOMOBILE LICENSE TAG
ECU has partnered with TxDOT to offer license tags to our members. If your vehicle is registered in McLennan County you can get your license tags at the Main Office in Waco. We can print tags for all vehicles, including motorcycles, RVs, boats and trailers. Simply bring in your license tag renewal notice, proof of insurance and your ID. We cannot issue past due tags.

CASHIER'S CHECKS
Cashier's checks can be purchased from any lobby teller. There is a $5.00 fee for each check. Checks can be made payable to any person or entity and for any amount. Blank cashier's checks cannot be purchased.

CHECKING/DEBIT CARD*
Access your checking account funds without ever writing a check. Use your ECU Checking/Debit card anywhere MasterCard^® is accepted. Our Checking/Debit card does not have a pin associated with it, if asked to select "debit" or "credit", press "credit" and sign the sales receipt just as you would a credit card. (You cannot choose "debit" when using this card.)

Due to international Checking/Debit Card fraud these cards cannot be used outside the United States. We apologize for any inconvenience.

If your card is lost or stolen you are protected. Call as soon as possible to report the loss or theft. We will cancel the card immediately and issue you a new one. And "Zero Liability" means that you will not be held accountable for any fraudulent or unauthorized charges made with your card or account number.

Click here to download a debit card application.
To report a lost or stolen Checking/Debit card call 1-800-442-4757

DIRECT DEPOSIT
This free service allows you to have your entire paycheck, social security payment, retirement, annuity check or any other recurring payment directly deposited into your ECU account. It's safe, easy, convenient and you'll have immediate access to your funds. To set up direct deposit you will need your account number and the routing number for Educators Credit Union - 311989852. You can choose to have your check directly deposited to your savings account, checking account or both. If you have any questions please contact Member Services at 254-776-7900 or 800-596-5460.

INSURANCE OPTIONS
ECU has partnered with CUNA Mutual Group to offer members competitive rates on several types of insurance, including Home, Auto, Life and Accidental Death and Dismemberment. To view the different products they have to offer, click here.

*MASTERCARD^®For a MasterCard^® credit card application click here.

*Subject to normal credit approval

MONEY ORDERS
Money orders are a safe alternative to be used in place of a personal check. They can be purchased in any increment up to $1000.00 for a fee of .50 per money order. Money orders can be purchased from any lobby teller.

OVERDRAFT PROTECTION
ECU offers three types of overdraft protection services for checking accounts: Transfers from Savings, Line of Credit Loans and $500 Overdraft Protection. Overdraft protection is designed to accommodate checkbook accounting errors, delayed deposits, etc. and is a courtesy we offer our members.

Transfer from Savings
Should you fall short of funds in your checking account, funds will be automatically transferred from your savings account for $1 per check fee, as long as you have more than the $25 minimum balance required in yours savings account.
Line of Credit Loan*
The funds available from the loan will transfer to your checking account when needed. There is a $1 per check fee and you will only pay interest on the credit used.
$500 Overdraft Protection*
With this service, ECU will pay overdrawn checks up to a $500 limit. An insufficient check fee of $25.00 will be charged per check paid. The fee is included in the $500 limit.

*Subject to normal credit approval.

PAYROLL DEDUCTION
Do you find it hard to save money out of each paycheck? You have every intention of saving, but it just never seems to happen. ECU has a solution for you....payroll deduction. Payroll deduction is a free service which allows you to automatically deposit money into your savings or checking account out of each paycheck. All you need to set it up is your account number and ECU routing number - 311989852. Sign up for payroll deduction and pay yourself first!

SAFE DEPOSIT BOXES
For a safe alternative to store valuables, consider a safe deposit box. ECU offers a number of different size safe deposit boxes to members for a nominal fee.

3x5 box

3x10 box

5x10 box

8x10 box

10x10 box

$10/yr

$20/yr

$30/yr

$45/yr

$55/yr

Safe deposit boxes can be rented at the Waco, Hewitt, TSTC, Robinson, and Copperas Cove offices. Boxes are rented based on availability. All sizes are not available at all locations.

TRAVELERS CHECKS
ECU offers American Express Travelers Cheques for our members. Don't risk carrying cash while on vacation or when traveling. Travelers Cheques can be purchased at all ECU locations from any lobby teller. The following fees apply:

One Signature Travelers Cheques FREE

Two Signature Travelers Cheques .50 per $100 value

VISA^® GIFT CARD
ECU offers Pre-Paid VISA^® gift cards, available in increments from $25.00 to $500.00, with a $1.00 fee per card. Gift cards can be purchased at all branch locations from any lobby teller. They make great gifts or can be used as an alternative to travelers checks. VISA^® gift cards can be used anywhere VISA^® is accepted.

To register your VISA^® gift card click here.

WIRE TRANSFERS
When money must be sent at a specific time and place, use ECU's wire transfer services. Funds can be sent to both U.S. and international financial institutions. ECU also offers wire transfers via Western Union. The following fees apply:

Domestic Wire Fee
$15.00

Western Union Wire Fee
$20.00 ( per $10,000 increment)

International Wire Fee
Contact ECU

Funds can also be wired into your ECU account. There is no fee for incoming wires. Contact Account Services for wiring instructions. All outgoing wires must be done in person. For documentation the member should furnish complete wiring instruction in writing. For your wire to be completed the same day, instructions must be received before 2:30 p.m. for wires to financial institutions and 4:00 p.m. for Western Union wires. Please remember to allow time for verification of funds and processing to ensure your transaction can be completed on time. Visit the branch nearest you or contact Account Services at 254-776-7900 or 1-800-596-5460 for more information.

ATM Safety Precautions

Always save your receipts. Don't leave them at the ATM machine.
Compare your records with the statements you receive.
Don't loan your ATM card to anyone.
Remember to take your card out of the ATM machine.
Protect the secrecy of your Personal Identification Number (PIN). Don't give anyone information regarding your ATM card or PIN over the phone.
Prevent others from seeing you enter your PIN.
If you lose your ATM card or if it's stolen, promptly notify the issuing financial institution.
Be aware of your surroundings. Look out for suspicious activity near the ATM facility. At night, be sure the facility is well lighted. Consider having someone accompany you. Don't accept assistance from anyone you don't know.
If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, cancel the transaction, pocket your card and leave.
Don't display your cash; pocket it as soon as the ATM transaction is completed and count your cash later when you're in a safe area.
At a drive-up facility, make sure all the car doors are locked and all the windows are up, except the driver's window. Keep the engine running.
Immediately report any suspicious activity or crimes to both the police and the operator of the facility.