Schedule of Fees

Heartland Federal Credit Union Service Fee Schedule Effective 8/1/2018

Savings, Checking, and HSA Account Fees

Dormant Fee with Account unused for 6 months and balance under $500 $5.00
Money Fund Checking Low Balance Fee Share Draft 015** $7.00
Bill Pay Service Fee (assessed after each month of inactivity) $5.00
eStatements N/C
Printed statement for Heartland Online users/paper statement reprints $5.00
Account Early Closure Fee (if closed by member w/in 90 days) $15.00
Account Reopening Fee (if member had an active account w/in last 18 months) $45.00
Monthly Business Account Fee $15.00
Personal checks price varies
Copy of check through Heartland Online N/C
Copy of check $5.00

The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: share draft, in-person withdrawal, ATM withdrawal, debit card withdrawal, or other electronic means.

Each Overdraft Paid $35.00
Overdraft Protection Fee $6.00 per transfer
Each Non-Sufficient Funds $35.00
Returned Deposit Item $10.00
Stop Payment $25.00
Checking Account Reconciliation/Research $15.00/hour
Copy of Statement/Interim Statement (Printout) $5.00
HSA Account Early Closure (within 90 days) $15.00
Personal checks price varies

ATM/HSA/VISA Check Card Fees

ATM/HSA/Check Card Replacement $10.00
ATM and Pin Based ATM transactions ***N/C

Loan Fees

Loan Processing Fee $290.00
Returned Loan Payment $35.00
Loan Late Payment (or per note) $40.00
Nonrecurring ACH Loan Payment $30.00
Recurring ACH Loan Payment N/C
Loan Extension Fee $50.00


VISA Returned Check up to $27.00
VISA Late Payment up to $27.00
VISA Card Replacement $10.00
VISA Statement Reprint $5.00
Visa Overnight Fee $75.00
Currency conversion for international travel vaires and is charged by Visa.
For additional service fees, refer to cardholder agreement.

Miscellaneous Fees

Incorrect Address, Per Returned Item $5.00
Monthly Minimum IRA Balance (under $300) $5.00
IRA/HSA Account Closure $25.00
Release Stop Payments, Check, ACH, other $5.00
Reg D Transaction* (a per transaction fee will be assessed after the 6 allowable transfers and withdrawals) $5.00
Cashiers Check $5.00
Domestic Incoming Wire Transfer Fee $10.00
Domestic Outgoing Wire Transfer Fee $20.00
International Wire Incoming Fee $60.00
International Outgoing Wire Transfer is not a service we provide
FAX Service (per page) $1.00
Notary Service N/C
To cash a member’s check to a non-member $5.00
Overnight Mailing (excluding weekends) $25.00
International Overnight Mailing varies
Safe Deposit Box 3"x10" $40 /per year
5"x5" $30 /per year
5" x 10" $50 /per year
10"x10" $60 /per year
Safe Deposit Box Late Payment $10.00
Safe Deposit Box Lock Drilling $150.00
Check Printing Fee for Garnishment $10.00

**$2,500 minimum daily balance needed to avoid fee
***Free up to 8 withdrawals, transfers, inquiries or deposits per month $1.00 per transaction thereafter

* Regulation D Limit
Effective August 1, 2018 Heartland Federal Credit Union will adhere to Regulation D. Reg D requires the credit union to limit the types and frequency of certain transaction types for savings accounts (savings, vacation, education, christmas, money market 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, 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 incure a fee.

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