| Type of Fee | Amount |
| Account Management | |
| Membership (one time) | $5.00 |
| Closed Membership (within 6 months) | $25.00 |
| - Waived if closed due to fraud | |
| Re-Opened Membership (within 6 months) | $25.00 |
| - Waived if reopened due to fraud | |
| Dormant Membership (monthly fee) | $5.00 |
| - Inactive for more than 12 months | |
| Overdraft Privilege (per presentment – item paid) based on the amount of Overdraft Privilege needed to cover transaction. Daily fee cap is $145 | |
| - Transactions of $5 or more | $29.00 |
| - Transactions of $4.99 or less | $15.00 |
| Non-Sufficient Funds/NSF (per item) | $32.00 |
| Overdraft Transfer from Deposit Accounts | $6.00 |
| Overdraft Transfer from Line of Credit | $10.00 |
| Returned Deposited Item* / Returned Loan Payment | $12.00 |
| - *If drawn from members account at another financial institution | |
| Returned Loan Payment (Indirect) | $15.00 |
| Stop Payment (per item) | $29.00 |
| Paper Statement if generated & mailed | $3.00 |
| - Waived with eStatements | |
| Loan Payment Online or by Phone | $4.95 |
| Savings and IRA | |
| Diamond Select Money Market | $8.00 |
| - If daily minimum balance falls below $1,000 | |
| Excessive Savings Withdrawal | $3.00 |
| - Savings/IRA after 6 per month | |
| - Diamond Select MM after 3 per month | |
| Single Service Savings | $5.00 |
| - If minimum balance is below $100 | |
| IRA Transfer or Rollover (outgoing) | $25.00 |
| Checking | |
| Kasasa Cash | FREE |
| Kasasa Cash Back | FREE |
| Worry-Free | $4.95 |
| Simply - Waived with eStatements | $2.00 |
| Teen - Waived with eStatements | $2.00 |
| Business Checking | $12.00 |
| ATM & VISA Debit Card | |
| ATM Deposit Correction | $5.00 |
| Invalid ATM Deposit | $50.00 |
| Non HCCU/CO-OP ATM Network Fee | $2.50 |
| HCCU/CO-OP ATM Network Fee | FREE |
| Replacement Card | $10.00 |
| Express Replacement Card | $45.00 |
| Online Services | |
| Online Banking | FREE |
| Mobile Banking | FREE |
| Mobile Deposit | FREE |
| Zelle | FREE |
| Bill Pay | FREE |
| Bill Pay Expedited Payment | $10.00 |
| Bill Payment Overnight Check Payment | $30.00 |
| Bill Payment Stop Payment | $30.00 |
| Wire Services | |
| Wire Transfer - Incoming | $10.00 |
| Wire Transfer - Outgoing | $25.00 |
| Wire Transfer International - Incoming | $15.00 |
| Wire Transfer International - Outgoing | $40.00 |
| Wire Tracing | $25.00 |
| Miscellaneous Services | |
| Check Cashing Fee | $8.00 |
| - Waived if combined deposit balances over $1000 or under 18 years old. | |
| Temporary Checks (per sheet of 3) | $5.00 |
| - Waived on new checking accounts with new check order (Limit 3 Sheets). | |
| International Check Deposit | $75.00 |
| - 6-10 weeks to receive credit | |
| Corporate Check | $8.00 |
| - Waived if payable to member or title company | |
| Declaration of Loss of Corporate Check | $29.00 |
| -10-day waiting period | |
| Signature Guarantee - per signature | $15.00 |
| - Waived for HCCU documents | |
| Notary - per signature | $15.00 |
| - Waived for HCCU documents | |
| Home Loan Demand Payoff | $20.00 |
| - Waived if it’s a HCCU Refinance | |
| Tax Lien, Levy, or Garnishment | $100.00 |
| Account Research (per hour, minimum 1 hour) | $30.00 |
| Escheatment Notice | $2.00 |
| Verification of Deposit | $15.00 |
| Address Locator / Bad Address | $5.00 |
| Mailed Receipt | $3.00 |
| Account History Printout | $5.00 |
| Paper Statement Copy | $3.00 |
| Check Copy | $3.00 |
| Photocopy Fee (per page) | $3.00 |
| Fax Service (per page) | $3.00 |
| Rolled Coin (first 5 free) | $0.15 |
Revised 08-10-23. All account maintenance fees are assessed monthly, unless otherwise indicated. All other fees are assessed at the time of service/request. This Fee Schedule discloses fees applicable to share deposit accounts, services offered by Heritage Community Credit Union, and is supplied as a supplement to your Truth-in-Savings Disclosure.
