Heartland Federal Credit Union Service Fee Schedule –
General Fees Fees Account closure (if closed within 90 days) $15 Account research $15/ hour Bad address $5/ returned item Mailing & Overnight Mailing actual postage International Overnight Mailing varies 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 Service FREE for Members Garnishment $10/ check Reopening account (if closed within last 12 months) $45 Copy of statement in It’sMe247 Online Banking FREE Copy of statement (HFCU prints) $5/ copy Copy of check in It’sMe247 Online Banking FREE 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 Fees Simple DREAM REACH Opportunity Business Money 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 Pay FREE FREE FREE FREE FREE FREE Returned Item $10 $10 $10 $10 $10 $10 NSF $35 $5 $20 $35 $35 $35 Overdraft $35 $5 $20 $35 n/a n/a Stop Payment $25 $25 $25 $25 $25 $25 Checks varies varies varies varies varies varies
* $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 Fees Fees 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 Fees Fees 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 Fees Fees Card replacement $10 Temporary card limit increase $10 Card overnight mailing $75 Visa Credit Card Returned Check up to $27 Visa Late Payment up to $27
Currency conversion for international travel varies and is charged by VISA. For additional service fees, refer to card holder agreement.
Loan Fees Fees 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 payment FREE Online or by phone loan payment varies Skip a Pay $50 Loan coupons $5 + postage/ 12 coupons Regulation D Limit
Heartland FCU adheres to *Regulation D. Reg D requires credit unions to limit the types and frequency of certain transaction types for savings accounts (savings, vacation, education, holiday, money market savings, or Fast Pass savings). You may perform no more than six (6) of these types of transactions in total from a savings account each calendar month: checks; overdrafts from savings; ACH; pre-authorized or automatic transfers; online, mobile, text, fax, or audio response transfers; telephone, email, or fax requests. Transactions that do not count toward the limit are withdrawals or transfers at an ATM, transactions made in person at a credit union, or withdrawals made by telephone if the check is mailed to the member. Once an account has reached the six permitted transaction limit any additional withdrawals or transfers will incur a fee.