Download the Latest Fee Schedule
ATM Fees
| ATM Card Replacement |
$5.00* |
| Withdrawals (non-HEFCU ATMs) |
$2.00* |
| Balance Inquiry (non-HEFCU ATMs) |
$1.00* |
| Denied ATM/Debit Card Transactions incl. POS (non-HEFCU ATMs) |
$2.00* |
| International ATM Transaction Fee |
1% of Transaction Amount |
| ATM Only Cardholder Fee (monthly) |
$1.00 |
Checking Account Fees
| Closed Account (Abuse) |
$10.00 |
| Copy of Check |
$3.00 |
| Courtesy Pay Fee (per item) |
$30.00 |
| NSF Deposit (per item) |
$30.00 |
| Overdraft Coverage (per item) |
$2.00 |
| Stop Payment (per item) |
$15.00* |
| Stop Payment (range) |
$25.00* |
IRA Account Fees
| Annual Fee |
$15.00* |
| Closed or Transferred Account |
$35.00 |
Money Market Account Fees
| Low Balance (monthly) - charged if balance falls below minimum |
$10.00 |
Loan Fees
| Cancellation or Denial Fee |
$10.00 per applicant |
| Home Equity Loan Application |
Contact Credit Union |
| Home Equity Loan Reimbursement Fee |
Contact Credit Union |
| Home Equity Subordination Fee |
$100.00 |
| Non-Sufficient Funds - NSF (per item) |
$30.00 |
Visa Credit Card Fees
| Cancellation/Denial |
$5.00 per applicant |
| Late Payment |
Classic $15.00; Platinum $25.00 |
| Returned Payment |
$25.00 |
| Credit Card Replacement |
$5.00* |
| Priority Express Delivery Credit Card Request |
$20.00 |
Other Fees
| Account Verification |
$10.00 |
| ACH - Outgoing |
$5.00 |
| Bad Address (monthly) |
$10.00 |
| Certified Mail |
$6.00 |
| Copy of Account Statement (per statement cycle; available for most recent 6 years only) |
$5.00 |
| Copy of Check |
$10.00 |
| Dormant Account (monthly) - charged on accounts with no activity for more than 1 year and Relationship balance less than $1,000 |
$10.00 |
| Federal Express |
$40.00 |
| Federal Express (Saturday) |
$50.00 |
| Levies |
$50.00 |
| Low Balance (Monthly) - charged on accounts open for more than 1 year and relationship balance less than $100 |
$10.00 |
| NJ Escheat Processing Fee |
$50.00 |
| NSF Preauthorized ACH Debit |
$30.00 |
| Request to have check mailed (under $100) |
$5.00 |
| Account Research/Reconciliation |
$25.00 |
Excessive Withdrawal Fee
Savings and other non-club accounts (excluding IRA/CDs) - for each withdrawal in excess of 4 per calendar quarter |
$5.00 |
| Club/Insurance Account Transfer/Withdrawal Fee (per item) |
$5.00 |
| Returned Check |
$30.00 |
| Shared Branch Convenience Fee (for all withdrawals) |
$3.00 |
| Shared Branch Convenience Fee (for all deposits) |
$2.00 |
| Square Processing Fee |
3.63% of charged amount (fee effective 9/1/21) |
| Stop Payment (HEFCU issued check) |
$10.00 |
| Paper Statement Fee (for each periodic paper statement cycle date) |
$2.50 |
| Wire - Outgoing |
$25.00* |