Fee Schedule

Heartland Federal Credit Union Service Fee Schedule – Effective 8/15/2020

General FeesFees
Account closure (if closed within 90 days)$15
Account research$15/ hour
Bad address$5/ returned item
Mailing & Overnight Mailingactual postage
International Overnight Mailingvaries
Credit union check (if made out to someone other than the member)$5
Cash a Member’s check to a non-member$5
Dormant account (after 6 months of no activity and balance is less than $500)$5/ month
Fax (member only service)$1
Notary ServiceFREE for Members
Garnishment$10/ check
Reopening account (if closed within last 12 months)$45
Copy of statement in It’sMe247 Online BankingFREE
Copy of statement (HFCU prints)$5/ copy
Copy of check in It’sMe247 Online BankingFREE
Copy of check (HFCU prints)$5/ copy
Domestic wire transfer – incoming$10
Domestic wire transfer – outgoing$20
International wire transfer – incoming$60
Reg D Transaction* (per transaction after the 6 allowable withdrawals and transfers from a savings)$5
ACH Deposit Early Posting$10
Checking FeesSimpleDREAMREACHOpportunityBusinessMoney Market
Monthly Fee$0$0$0$4.95/$9.95*$15$0
Low Balance Fee$0$0$0$0$0$7**
Overdraft Transfer$5$5$5$5$5$5
It’sMe247 Bill PayFREEFREEFREEFREEFREEFREE
Returned Item$10$10$10$10$10$10
NSF $35$5$20$35$35$35
Overdraft $35$5$20$35n/an/a
Stop Payment$25$25$25$25$25$25
Checksvariesvariesvariesvariesvariesvaries

* $4.95 with direct deposit and $9.95 without direct deposit
** fee for Money Market Savings and Money Market Checking if balance falls below minimum daily balance of $2,500

Safe Deposit Box FeesFees
3″ x 10″ box$40/ year
5″ x 5″ box$30/ year
5″ x 10″ box$50/ year
10″ x 10″ box$60/ year
Lock drilling$150
Late payment$10
Specific Accounts FeesFees
IRA monthly low balance fee (if balance falls below the monthly daily balance of $300)$5
IRA & HSA account closure$25
VISA Credit Card and Debit Card FeesFees
Card replacement$10
Temporary card limit increase$10
Card overnight mailing$75
Visa Credit Card Returned Checkup to $27
Visa Late Paymentup to $27

Currency conversion for international travel varies and is charged by VISA. For additional service fees, refer to card holder agreement.

Loan FeesFees
Loan processing fee$95
Vehicle title fee$15
HELOC (home equity line of credit ) processing fee- personal use$295
HELOC (home equity line of credit ) processing fee – investment$395
Returned loan payment$25
Loan late payment$40 (or per your note)
Non recurring ACH loan paymentFREE
Online or by phone loan paymentvaries
Skip a Pay$50
Loan coupons$5 + postage/ 12 coupons

Regulation D Limit


HELPING ... PROTECTING ... INFORMING - COVID-19 Update: Emergency financial assistance is available for members. Branch lobbies are open. Some Shared Branch locations may not be available. If you would like to make an appointment, click to our COVID-19 Resource Page.Learn more about our response to COVID-19
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