Fee Schedule

Account research or balancing fee
(per hour); minimum fee of $20 for each request
Assisted inquiries – each account balance inquiry and account-to-account transfer request by telephone, text, email or in person with a member service representative$5.00
ATM balance inquiry
(per inquiry)
ATM withdrawal
(per transaction at non-free HEBFCU ATM)
ATM card replacement
(per card)
Basic Checking teller withdrawals (per withdrawal)$2.00
Basic Checking checks – 9th and each additional check per statement cycle$2.00
Business Checking Account monthly service charge
(if minimum daily balance falls below $2,000)
Check cashing fee for Members – percentage of transaction amount
(if account balance is less than half check amount)
1% of transaction amount
Classic Checking Account monthly service charge
(if account average daily balance is less than $1,000; total deposit relationship is less than $5,000 or total loan relationship is under $10,000)
Copy of check – 3rd and each additional copy per statement cycle
(first two per statement cycle free)
Debit card replacement (first; per card)$5.00
Debit card replacement (second and subsequent; per card)$10.00
Debit temporary instant issue card (per card)$5.00
Debit card transaction receipt copy
(signature-based transaction unrelated to lost or stolen card; each)
Early closure fee
(closing membership Savings, H-E-Buddy Savers Club, or Sponsor Package Savings account within six (6) months of opening account)
Inactivity fee*$10.00
Item inquiry
(more than 7 days; per inquiry)
MasterCard foreign transaction fee – debit card transactions1% of transaction amount
Money Market and Money Market Plus Account monthly service charge (if average daily balance falls below $1,500)$10.00
Money orders (each)$1.25
Monthly statement copies
(per page)
NetBranch Bill Payment
(if enrolled users do not make at least one bill payment during the statement period, a non-usage fee will be charged)
Non-member check cashing fee (per check)$5.00
NSF items written on your account with an insufficient Available Balance or uncollected funds, whether returned or paid, and Automated Clearing House transfers charged to your account with NSF (each). $25.00
Outstanding check processing fee (each)$25.00
Overdraft transfers
(pre-authorized from deposit or Line of Credit account in $25 increments; per transfer)
Paper periodic statement fee (per statement cycle)$2.00
Premier Checking Account monthly service charge$6.00
Return mail for incorrect address (per statement returned)$10.00
Savings, H-E-Buddy Savers Club and Sponsor Package Savings excess withdrawals
(per withdrawal in excess of 4 per month)
Share Account maintenance fee**$10.00
Statement history
(prior 2 weeks; each)
Stop payment orders (each) made in person or by telephone$30.00
Stop payment orders (each) made through NetBranch Digital Banking System$20.00
Tax levy/garnishment
(per occurrence)
Temporary checks (after first set; per set of 8)$5.00
Transfers by wire – domestic (per transfer)$15.00

*Inactivity Fee
A quarterly Inactivity Fee of $10.00 will be charged on the last business day of the quarter if no share accounts in a Member’s name have had a member-generated deposit or withdrawal for one year or more. This fee will be waived if the Member’s cumulative share ledger balance on the last business day of the quarter is $500 or above, the Member has a current loan with a balance, or an open-end line of credit. This fee does not apply to the H-E-Buddy Savers Club Account.

**Share Account Maintenance Fee
A quarterly Share Account Maintenance Fee of $10.00 will be charged if a Member’s Primary Share ledger balance on the last business day of the quarter is less than $300.00, the Member has no other share or loan relationship, and is age 18 or older. The fee will be posted the first business day of the following quarter.