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 |
