Effective 05/15/2025

Type	Amount
Share Draft/ACH/ATM/Courtesy Pay Insufficient Funds	$35.00
Share Draft/ACH/ATM Paid by Transfer	$5.00
Excessive Savings or Money Market transfers to checking.  Over 6 per statement cycle.	$5.00 per withdrawal or transfer
NSF Deposited Item	$30.00
Stop Payment	$30.00
ACH Stop Payment	$30.00
ACH Notification of Change	$10.00
Copy of Paid Share Draft	$5.00
Copy of a Statement (each)	$5.00
Copy Requests	$0.50 per page
Duplicate Release of Lien or Title	$30.00
Replacement Loan Coupon Book	$10.00
Interim Statement (each)	$5.00
Invalid Address Fee - Returned Statement	$2.50 per statement
Paper Statements (ages 60 & older exempt)	$3.00 per statement
Reconcile or Reconstruct a Statement (By appointment)	$20.00 per hour
Research Request. We will charge this fee for research related to your account that we conduct at your request.	$25.00 minimum fee
Telephone Transfer Between HCFCU Accounts - EverReady Audio Teller	Free
Transfers Between HCFCU Accounts via Telephone Member Services Request or Online Banking Message Center	$2.00 Per Transfer
Skip-A-Pay	$35.00
Legal Process Fee	$50.00
ATM Network Fee	$2.00
ATM Replacement Card	$15.00
FAX Data Request	$2.00
Domestic Wire Fee	$25.00
International Wire Fee	$40.00
Incoming Wire Fee	$15.00
Money Orders (up to $1,000)	$4.50
Audio Response Checks	$4.50
Corporate Checks over $1,000	$4.50
Inactive/Dormant Fee*	$5.00 per month
VISA Late Payment Fee	$25.00
VISA Replacement Card	$15.00
VISA Over-the-Limit Fee	$25.00
VISA Returned Payment	$25.00
VISA Same Day Payment	$25.00
IRA Annual Maintenance Fee	$15.00
Early Closure of Holiday, Vacation or Quarter Club	$15.00
Set of Twelve (12) Temporary Checks	$12.00
Fresh Start Checking	$10.00 per month

Disclosure & Fee Schedule Effective - 05/15/2025
* No activity on a savings account for 6 months and the member has no other open account or loan relationships with the Credit Union.