Download the Latest Fee Schedule
ATM Fees
| ATM/Debit Card Replacement |
$7.00* |
| Withdrawals (non-HEFCU ATMs) |
$2.00± |
| Balance Inquiry |
$1.00± |
| Denied ATM/Debit/POSTransactions |
$2.00± |
| International ATM Transaction Fee |
1% of Transaction Amount |
| ATM Only Cardholder Fee (monthly) |
$1.00 |
| ATM/Debit Card Inactivity (monthly) |
$2.00* |
Checking Account Fees
| Closed Account (Abuse) |
$10.00 |
| Copy of Check (per item) |
$7.00* |
| Courtesy Pay Fee (per item, maximum of 3) |
$30.00 |
| Non-Sufficient Funds (NSF per item, maximum of 3) |
$30.00 |
| Overdraft Transfer (per transfer) |
$10.00* |
| Stop Payment (per item) |
$25.00* |
| Stop Payment (range) |
$30.00* |
| Check Order |
Cost paid by member |
| Healthy Checking (monthly, if daily average less than $1,000) |
$15.00* |
| Wellness Checking (monthly, if daily average less than $500) |
$7.00* |
IRA Account Fees
| Annual Fee |
$15.00 |
| Closed or Transferred Account |
$35.00 |
Money Market Account Fees
| Minimum Balance (monthly) |
$10.00 |
| Check Order |
Cost paid by member |
| Excessive Check Clearing (per item over 3) |
$5.00* |
Loan Fees
| Home Equity Loan Application |
Contact Credit Union |
| Home Equity Loan Reimbursement Fee |
Contact Credit Union |
| Home Equity Subordination Fee |
$25.00* |
| Non-Sufficient Funds (per item) |
$30.00 |
| Credit Card Replacement |
$7.00* |
| Priority Express Delivery (Credit Card) |
$30.00* |
Other Fees
| Account Number Reassignment |
$25.00* |
| Account Research/Reconciliation (per hour, 1 hour minimum) |
$25.00 |
| Account Verification |
$10.00 |
| ACH - Outgoing |
$5.00 |
| Bad Address (monthly) |
$10.00 |
| Bill Pay Inactivity (monthly, 6 months with no activity) |
$6.00* |
| Cahier's Check |
$7.00* |
| Certified Mail |
$10.00* |
| Club/Insurance Account Transfer/Withdrawal (per item) |
$10.00* |
| Copy of Account Statement (per statement cycle; 6 most recent only) |
$5.00 |
| Copy of Check |
$10.00 |
| Dormant Account (monthly) - charged on accounts with no activity for 1 year or more and Relationship balance less than $1,000 |
$10.00 |
| Escheat Processing and Remittance |
$50.00 |
Excessive Withdrawal Fee
Savings and other non-club accounts excluding IRA/CDs (for each withdrawal in excess of tier above) |
$10.00*± |
| Federal Express |
$45.00 |
| Federal Express (Saturday delivery) |
$55.00 |
| Healthy Savings (monthly, if daily average less than $25,000) |
$25.00* |
| Healthy Savings without eStatements and Direct Deposit (monthly) |
$10.00* |
| Levies |
$100.00* |
| Low Balance (Monthly) - charged on accounts open more than 1 year and relationship balance less than $100 |
$10.00 |
| NSF Preauthorized ACH Debit |
$30.00 |
| Paper Statement Fee (per statement cycle) |
$5.00* |
| RePay Processing |
$10.00* |
| Request to have check mailed (under $100) |
$5.00 |
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| Club/Insurance Account Transfer/Withdrawal Fee (per item) |
$5.00 |
| Returned Check/Returned Deposited Item |
$30.00 |
| Shared Branch Convenience Deposit |
$2.00 |
| Shared Branch Convenience Withdrawal |
$3.00 |
| Stop Payment (HEFCU issued check) |
$10.00 |
| Wellness Savings (monthly, if daily average less than $5,000) |
$10.00* |
| Wellness Savings without eStatement and Direct Deposit (monthly) |
$5.00* |
| Wire - Outgoing |
$25.00*± |