Item | ACS Fee | BOA Fee |
Monthly Account Fee | Free | Free |
Domestic ATM Withdrawal at Member ATMs | 4 free ATM withdrawals per month at any Wells Fargo/Wachovia ATM; $1.75 thereafter | 4 free ATM withdrawals per month at any BoA ATM; $1.50 thereafter. |
Domestic ATM Withdrawal at non-Member ATMs | $1.75 per transaction | $1.50 per transaction |
International ATM Withdrawal | $1.75 per transaction | $3.50 per transaction |
Point of Sale (POS) Purchase (PIN or signature) | Free | Free |
POS Denial | Free | Free |
Cash Back on Debit Purchase | Free | Free |
Bank Teller Withdrawal Fee | 2 free bank teller withdrawals per month at any MasterCard member bank; $5.00 per transaction thereafter | 2 free bank teller withdrawals per month at BoA; $15.00 per transaction thereafter |
ATM Balance Inquiry | $.60 per inquiry | Free |
ATM Transaction Decline | 1 free per month at any ATM; $.60 per transaction thereafter | 1 free per week at available BoA ATM; $.50 per transaction thereafter |
IVR Balance Inquiries | 3 free per month; $.50 per inquiry thereafter | Free |
Live Customer Service (within the US) | Free | 1 free per month; $1.50 per call thereafter |
Live Customer Service (outside the US) | Free | 1 free per month; $5.00 per call thereafter |
PIN Changes | Free | 1 free per year; $.50 per PIN change thereafter |
Emergency Cash Transfer for remaining account balance (under $20.00) | ACS does not offer this feature since cash can be extracted from the card at any time | 1 free per year |
Emergency Cash Transfer (inside the US) | ACS does not offer this feature since cash can be extracted from the card at any time | $15.00 per transaction |
Emergency Cash Transfer (outside the US) | ACS does not offer this feature since cash can be extracted from the card at any time | $30.00 per transaction |
Web Balance Inquiries | Free | Free |
Foreign Exchange Fee | 3% of the US Dollar amount of purchase | 2% of the US Dollar amount of purchase |
Card Replacement Fee (inside the US) | 1 free card replacement per year; $5.00 per card thereafter | Free |
Card Replacement Fee (outside the US) | 1 free card replacement per year; $5.00 per card thereafter | Quote provided at time of request, as price varies by country |
Expedited Card Replacement Fee (inside the US) | $20.00 each | $25.00 each |
Overdraft Fee | Free | Free |
Inactivity Fee | After 14 months of no card activity, $1.25 per month is charged against the card until funds are exhausted or there is new card use. Upon subsequent card usage the 14 month clock starts again. | Free |
Account Close Out Fee | Free as no such action is ever taken by EPPIC. | $15.00. After 720 days of inactivity, the account is closed, and a check mailed to the CP. |
ACH Debits for Bill Pay | ACS does not offer this service. | $.50 per item |
Duplicate Statement | Statements are always free through the web or upon request to a CSR. | $5.00 per request |
Proactive Deposit Notification Fee | Free. Proactive deposit notification available through e-mail, text message or outbound IVR call. CP registers for notification option of choice. | Not available |
