Effective September 1, 2017
Standard Credit Union services are generally provided at little or no cost to the member. However, to offset the cost of certain specialized services, a fee is charged in the following instances.
| Account Services |
|
Computer transfer to share draft account: $2.00/occurrence
|
| Money order: $2.00 each |
| Stop payment on money order: $15.00/request |
| Copy of money order: $1.50 each |
| Statements are free, additional copies mailed $2.00/statement |
| Credit Union check under $1,000: $2.00/check |
| Stop payment on Credit Union check: $15.00/request |
| Check withdrawal by phone: $3.00/check (no fee for SMART Line or First Line Online Banking) |
| Returned mail: $5.00/return |
| Deposit account closed within 3 months: $5.00 |
| Gift Cards: $3.50 each |
| Foreign Cash Letter Item: $10.00/item |
| Foreign Collection Item: $25.00/item |
| A $50.00 processing fee will be imposed on any restraints, levies, executions and notices of attachments received by the Credit Union from a third party as a result of legal action. First Heritage will impose this fee except to the extent prohibited by law. |
|
| ACH |
| ACH overdraft fee: $30.00/occurrence |
| ACH stop payment fee: $15.00/request |
| Visa Credit Card/Check Card |
| Visa® Credit Card late payment fee: $25.00 |
| Copy of Visa® Credit Card statement: $5.00/statement |
| Replacement of a lost or stolen Visa® card: $5.00/card |
| Retrieval of Visa draft (charge slip): $15.00/retrieval |
| Visa Check Card overdraft (not sufficient funds): $30.00/overdraft |
|
| Share Draft Account |
| Stop payment of a share draft: $15.00/draft |
| Stop payment of a share draft online: $10.00/draft |
| Copy of a share draft: $1.50/copy |
| Faxed copy of a share draft: $3.00/copy |
| Certified draft: $10.00/draft |
| Returned share draft drawn on FHFCU: $30.00/draft |
| Returned share draft drawn on other financial institutions: $30.00/draft |
| First Pay overdraft fee: $30.00/draft (first occurrence within a six-month period is free) |
| Account reconciliation (no charge for the first time): $10.00/hour |
| Share draft protest fee: $10.00/protest |
| First Choice checking account maintenance fee: $5.00/month |
|
| Share Account |
| Service charge on single service accounts under $100.00: $1.00/month |
|
| IRA |
| Fee to transfer a First Heritage Federal Credit Union IRA to another financial institution: $15.00 |
| Internet Bill Payment |
| Gift Checks: $2.99 each | Donation Checks: $1.99 each |
| Expedited Payments: $14.95 Next day delivery | $9.95 Second day delivery |
| Bill payment service may be cancelled if no usage for three months |
| Bill payment ACH overdraft fee of $30.00/occurrence |
| Bill payment stop payment fee: $15.00/request |
| Bill payment check copy fee: $1.50/request |
|
|
| Loans |
| Late fee: any loan payment delinquent over 25 days: $10.00 |
| Mortgage late fee: for payments more than 15 days late, a late charge of 2% (NY) or 4% (PA) of the monthly payment amount will be charged |
| Loan payment made via credit/debit card online: $10.00 |
| Loan payment made via credit/debit card over the phone: $15.00 |
| Skip a Payment: $20.00 |
| Mortgage subordination fee: $200.00 |
| Mortgage gas/lease subordination fee: $500.00 |
|
| Wire Transfer |
| Outgoing wire transfers to other financial institutions: $20.00 |
| Outgoing International wire transfers: $45.00 |
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