Scenic landscape of treecovered mountains

Schedule of Fees and Charges








Account Service Fees


Abandoned Property: $100.00
Cashier's Check under $1,000: $5.00
Check Protest Fee: $20.00
Courtesy Pay (First Pay): $28.00
Inactivity Fee: $20.00/Quarter
IRA Transfer to another Financial Institution: $25.00
Money order: $3.00
Overdraft Fee/NSF: $28.00
Returned Mail: $5.00
Stop Payment Fee: $30.00
VISA Card Replacement: $5.00
Visa International Service Fee:

  • 1% of each transaction in U.S dollars if the transaction involves a currency conversion
  • 1% of each transaction in U.S dollars if the transaction does not involve a currency conversion
Wire transfers to other financial institutions (domestic): $20.00
Wire transfers to other financial institutions (international): $45.00

Loan Service Fees


Loan payment made via credit/debit card online: $10.00
Loan payment made via credit/debit card phone: $15.00
Mortgage gas/lease subordination fee: $500.00
Mortgage subordination fee: $200.00
Skip a Payment: $25.00
VISA credit card late payment fee: $25.00
VISA International Service Fee:

  • 1% of each transaction in U.S dollars if the transaction involves a currency conversion
  • 1% of each transaction in U.S dollars if the transaction does not involve a currency conversion

Bill Payment Fees


Bill Payment ACH overdraft fee: $28.00
Bill Payment Donation Check: $1.99
Bill Payment Gift Check: $2.99
Bill Payment Stop Payment Fee: $30.00
Expedited Payments (Next Business Day Check Delivery): $34.95
Expedited Payments (Second Business Day Check Delivery): $29.95
Expedited Payments (Second Business Day Electronic Delivery): $6.95
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.

Version 01.2024