BCBST Employee
Credit Union

1 Cameron Hill
Chattanooga, TN 37402
Phone: (423) 535-6103
Fax: (423) 535-4801
To report a lost or stolen ATM/Debit card call:
1-800-264-5578.
Email Us

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Member Fees

BCBST Employee Credit Union Fee Schedule
Service Fee
Membership Fee $1.00
Paper Statement Fee
(if not enrolled in e-statements)
$3.00 per statement
Late Payment Fee
(Monthly Service Charge)
5% of Delinquent Balance – minimum $5.00
Overdraft Protection Transfers $5.00
NSF Fees $35.00
Negative Account Fee
(per occurrence)
$35.00
Stop Pay Fee $35.00
Photocopy of a Check
(Less than 6 months old)
$2.00
Photocopy of a Check
(Over 6 months old)
$5.00
Duplicate Copy of Previous Year’s Statement $5.00
Duplicate Copy of Statement 2005 and Older $5.00 per page
Duplicate Copy of Same Year’s Statement $3.50
Printout of Account $1.00
Personalized Check Order Varies by Vendor
Re-Issue ATM / Visa Check Card $5.00
Overnight Delivery Charge for ATM/Visa Check Card
$55.00
ATM Withdrawals (more than 6x per month),
Balance Inquiries (more than 2x per month),
and Transfers (more than 2x per month)
$1.00 each
Dormant Account Charge
(Balance less than $25 and more than 1 year with no activity)
$10.00 per year
IRA Early Withdrawal Service Fee
(Under 59˝ years old)
$25.00
Christmas Club Early Withdrawal Fee $10.00
Close/Re-Open Account with New Account Number $35.00
Closed Account Within 6 Months of Opening $10.00
Incoming Wire Transfers $10.00
Money Orders (Cameron Hill only) $1.00
Returned Money Orders $5.00 per hour
Photocopy of Money Orders $5.00
Returned Cashed / Deposited Checks $10.00
Records Research ($15.00 minimum) $15.00 per hour
International ACH Transactions (IAT) $15.00 per transaction
Foreign Item (foreign check - not U.S. check) $15.00 per item
Cashier Checks $5.00



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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.