Effective 12/9/2021
ACCOUNT SERVICES | |
Account, Early Closure | $25.00 (if closed within six months) |
Reconciliation | $25.00 / hour (minimum 1 hour) |
Returned Mail Fee | $10.00 |
ATM TRANSACTIONS (withdrawals, deposits, transfers, balance inquiries) | |
HFCU ATMs | Free |
Network ATM | |
HFCU-Branded Third Party ATMs | Free1 |
Co-op Network ATMs & SUM Network ATMs | Free1 |
Out of Network / non-HFCU ATMs | |
$0 – $7,499.99 | Four free transactions per month2 |
$7,500 – $19,999.99 | Six free transactions per month2 |
$20,000 or more | Unlimited transactions |
ATM Deposit Correction | $5.00 |
1Out-of-network fees apply. 2Fee of $1.50 per transaction after the allowed amount. | |
CHECKING ACCOUNT MONTHLY FEE | Free |
CHECK SERVICES | |
Check Printing | Price varies3 |
Money Order (per item) | $4.00 |
Non-Member “On Us” Checks Cashed (includes personal drafts, official checks, and Money Orders) | $25.00 |
Official Check | $10.00 |
Stop Payment (per request) | $32.00 |
COIN MACHINE | Free for Members4 |
420% for non-members or excessive usage | |
COLLECTION ITEM PROCESSING | |
Incoming Items for Collection | $35.00 |
Outgoing Items for Collection (foreign & domestic) | CU cost +$10.00 |
Protest Fee (per item) | $25.00 |
CONSULAR LETTER | $20.00 |
COPIES5 | |
Account History Printout (per item) | $5.006 |
6Free online through Heritage Mobile up to 18 months | |
Check Copy < 1 year | $3.006 |
6Free online through Heritage Mobile up to 18 months | |
Check Copy > 1 year | $5.006 |
6Free online through Heritage Mobile up to 18 months | |
Fax Check Copy | $5.00 |
Lien Release Copy | $5.00 |
Statement | $5.00 |
5Same fee applies for paper copies originally delivered electronically. | |
VISA® DEBIT and CREDIT CARDS | |
Card Replacement (Standard) | $5.00 |
Card Replacement (Domestic rush) | $40.00 |
Card Replacement (International rush) | $50.00 |
International Transactions | 1% of transaction |
EXPEDITED DELIVERY | Cost of delivery through service provider |
INACTIVE ACCOUNT | $10.00mo7 |
7This fee does not apply to savings type accounts. After one year for account balances under $2,500; after two years for account balances $2,500 or more. | |
LEGAL PROCESS (per item) | $100.00 |
MORTGAGE SUBORDINATION | $200.00 |
NOTARY SERVICE | Free for Members |
ONLINE BANKING | |
Charity Pay | $1.99 |
Gift Pay | $2.99 |
iPay Rush Payment | $14.95 next day; $9.95 2-day |
Heritage Mobile | Free8 |
Bill Pay | Free8 |
Stop Pay through Heritage Mobile | $20.00 |
8Disabled After 90 consecutive days of inactivity | |
OVERDRAFT / NSF / COURTESY PAY | |
Continuous Account Overdraft / Negative Balance (ALL member accounts) | $5.009 |
9Beginning on the 6th calendar day until the overdraft is cured. | |
Courtesy Pay (per item) up to $1.00 | $010 |
Courtesy Pay (per item) $1.01-10.00 | $20.0010 |
Courtesy Pay (per item) $10.01-20.00 | $25.0010 |
Courtesy Pay (per item) more than $20.00 | $35.0010 |
Overdraft Coverage (Money Market or share, per transfer) | $5.0010 |
Overdraft / NSF | $35.0010 |
10Fee per item includes: check, ATM withdrawal, point-of-sale transaction, or other transaction or debit, whether paid or returned | |
Returned/Resubmitted Item | $35.00 |
Uncollected Funds (per item whether paid or returned) | $35.00 |
RESEARCH | $25.00/hr (1hr minimum) |
RETIREMENT PLANS | |
IRA Closeout | $20.00 |
IRA / SEP Outgoing Direct Rollover | $20.00 |
IRA / SEP Outgoing Transfer | $20.00 |
RETURNED STATEMENT (per account) | $10.00/mo |
SAFE DEPOSIT BOX | |
Box Rental Fee | |
– 3×5 | $35.00 |
– 5×5 | $55.00 |
– 3×10 | $60.00 |
– 5×10 | $75.00 |
– 10×10 | $110.00 |
Drilling / Break Open | $150.00 |
Key Replacement (per key) | $30.00 |
Late Fee (per month) | $10.00 |
SPECIAL STATEMENT HANDLING | (per month) $10.00 |
STATEMENTS (per statement) | |
e-Statements Only | Free |
Paper Statements Only | Free |
Paper Statements & e-Statements | $2.00 |
TELEPHONE ACH ORIGINATION | |
Recurring, Standing Instruction | Free |
Non-Recurring/VaryingRequests/StaffAssisted | $15.00 |
WIRE TRANSFERS | |
Incoming | Free |
Outgoing | $20.00 domestic; $35.00 foreign |
3Ask Representative for details |