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* |