Fee Schedule

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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 Fee1% 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$5.00 per applicant
Home Equity Loan ApplicationContact Credit Union
Home Equity Loan Reimbursement FeeContact 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 PaymentClassic $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 Fee3.63% 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*

Fee Schedule effective September 1, 2021
*Refer to HEFCU Reward Schedule (PDF – new window/tab)
Fees Subject to Change Without Notice

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