Services/Benefits
Check Orders
Place check order (Check orders take approximately 7-10 days)
Temporary checks available
Call AAEC
Coin Machine
AAEC members only
No fee
Self-service in AAEC lobby
Fee-Free ATMs
AAEC is a member of ATM networks where you can withdraw cash without paying a surcharge fee.
Gift Cards
AAEC members only
Five fee-free Visa® gift cards a month
Minimum $10
Maximum $1,000
Call ahead for easy pickup
Remote Check Deposits
Log in to your AEEC Anywhere App to quickly deposit a check
Checks deposited remotely require a restrictive endorsement of “For remote deposit only at AAEC CU” on the back of the check
Checks without the restrictive endorsement will be rejected
Wire Transfers
To wire funds to your AAEC account:
Wire should be sent to/Receiving institution:
Alloya Corporate FCU
184 Shuman Blvd. #400
Naperville, IL 60563
ABA #271987635
Further credit to/Beneficiary financial institution:
AAEC Credit Union
1104 S. Arlington Heights Rd.
Arlington Heights, IL 60005
Account #271975391
Final Credit to/Beneficiary:
Your name and AAEC account number (specify savings or checking)
There is a $10 fee for incoming wires
Call us to send a wire from your AAEC account.
Discounts
AAA Membership
Call (866) 968-7222 or visit www.aaa.com and use AAEC group code “CRU015” to receive a 15% discount on your membership, 5% on your auto policy, and 2% on your homeowner’s policy
Grants & Scholarships
$250 award for Classroom Grants
Available to school employees who purchase classroom supplies for students
$500 award for Tuition Scholarships
Available for any class, program, or conference
International Money Exchange
80 foreign currencies from around the world
Allow for 1-2 business days
Notary & Signature Guarantee
Call to schedule an appointment for a Signature Guarantee
No appointment needed for a notary
Safe Deposit Boxes
Must be the primary account holder
Automatic annual payment from your AAEC account
Three sizes available and all are 21 inches deep:
3 x 10 – $55/year
5 x 10 – $75/year
10 x 10 – $125/year
Service Fees
Effective July 2, 2025
General Fees
| Item | Fee |
|---|---|
| Phone Transfer | Free |
| AAEC Anywhere (online) Transfer | Free |
| Online Bill Pay | Free |
| Overdraft Protection Transfer | $3.00 |
| Non-Sufficient Funds (per item) | $15.00 |
| Checks & Items Returned Unpaid | $15.00 |
| Uncollected Funds Return Fee | $15.00 |
| Stop Payment for Draft/ACH | $15.00 |
| Stop Payment on a AAEC Check | $15.00 |
| Copy of Check | $5.00 |
| Original Check (limited availability) | $7.00 |
| Garnishments/Levies/Liens/Legal Docs | $50.00 |
| Inactivity Fee | $30.00 |
| Early Account Closing (w/in 90 days of opening) | $25.00 |
| Verification of Deposit | $20.00 |
| Gift Card - (5 free per month) | $3.00 |
| Returned Mail | $5.00 |
| Cashier’s Check | $2.00 |
| Temporary Checks (3 checks per pg) | $1.00 |
| Incoming Wire | $10.00 |
| Outgoing Domestic Wire | $25.00 |
| Outgoing International Wire | $50.00 |
| Statement Copy | $5.00 |
| Acct Balancing (hourly, 1/2 hr minimum) | $50.00 |
| Duplicate Release Deed | $20.00 |
| Subordination of Mortgage | $100.00 |
| Lien Release Letter | $5.00 |
| Multiple Payoff Request | $10.00 |
| Reopening of HELOC w/in 1 Yyar | $500.00 |
| Streamline Mortgage Refinance | $1000.00 |
| Safe Deposit Boxes - Annual 3x10 5x10 10x10 |
$55.00 $75.00 $125.00 |
| Safe Deposit Overdraft | $25.00 |
| ACH TeleTransfer (3 free/co) | $35.00 |
| Excessive Coin Deposit (over 4/yr) | 5% |
Visa® Account Fees
| Item | Fee |
|---|---|
| Application Fee | None |
| Annual Fee | None |
| Transaction Fees: For Foreign Purchases Cash Advance ($5.00 min) |
1% 2% |
| Balance Transfer Fee | None |
| Late Payment Fee | Up to $25.00 |
| Rush Fee | $25.00 |
| Documentation Fee | $10.00 |
| Returned Check Fee | Up to $25.00 |
| New or Replacement Card Fee | $10.00 |
| Card Recovery Fee | $75.00 |
| Pay by Phone Fee | $10.00 |
| Online Payment Fee | None |
| Emergency Card Replacement | $150.00 |
| Stop Payment-Recurring Item | $25.00 |
ATM & Debit Card Fees
| Item | Fee |
|---|---|
| Additional Cards | $5.00 |
| Replacement Cards | $5.00 |
When you use an ATM, you may be charged a fee by the ATM operator. For a fee-free ATM, use an AAEC Credit Union ATM or