Fee Schedule

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