Fee Schedule
| Account research or balancing fee (per hour); minimum fee of $20 for each request | $20.00 |
| 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) | $1.75 |
| ATM withdrawal (per transaction at non-free HEBFCU ATM) | $2.25 |
| ATM card replacement (per card) | $5.00 |
| Basic Checking teller withdrawals | $2.00 |
| Basic Checking excessive check per statement cycle | $2.00 |
| Business Checking Account monthly service charge (if minimum balance falls below $2,000) | $15.00 |
| Check cashing fee – Member (if account balance is less than half check amount) | 1% |
| Check cashing fee – Non-member | $2.50 |
| Classic Checking Account monthly service charge (if account avg. daily balance is less than $1,000; total deposit relationship is less than $5,000 or total loan relationship is under $10,000) | $5.00 |
| Copy of check (first two per statement period free) | $2.00 |
| 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) | $10.00 |
| Early closure fee (closing membership Savings, H-E-Buddy Savers Club, or Sponsor Package Savings account within six (6) months of opening account) | $25.00 |
| Inactivity fee* | $10.00 |
| Item inquiry (more than 7 days; per inquiry) | $1.00 |
| MasterCard foreign transaction fee – debit card transactions | 1% 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) | $2.00 |
| 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) | $5.00 |
| Non-member check cashing fee | $5.00 |
| NSF items written on your account with insufficient funds or uncollected funds, whether returned or paid, and Automated Clearing House transfers charged to your account with NSF (each). Because a payee may resubmit a returned item or other payment order such as an Automated Clearing House transaction multiple times, multiple Insufficient Funds Fees may be charged for the same item or payment order. | 35.00 |
| Outstanding check processing fee (each) | $25.00 |
| Overdraft transfers (pre-authorized from deposit or Line of Credit account in $25 increments; per transfer) | $2.00 |
| Paper periodic statement fee (per statement cycle) | $2.00 |
| Premier Checking Account monthly service charge | $6.00 |
| Return deposit items fee (applies per item, per occurrence) | $20.00 |
| Return mail (incorrect address) | $10.00 |
| Savings and Sponsor Package Savings excess withdrawals (in excess of 4 per month) | $5.00 |
| Share Account maintenance fee** | $10.00 |
| Statement history (prior 2 weeks; each) | $1.00 |
| 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) | $50.00 |
| Temporary checks (after first set) | $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 depository 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 depository 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.
**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 depository nor loan relationship, and is age 18 or older. The fee will be posted the first business day of the following quarter.