Effective August 2022
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.
Specialized Service Fees
| Abandoned Property: $100.00 |
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Account balancing (per hour-no charge first time): $20.00
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| Automatic transfer to cover share draft account: $3.00 |
| Cashier's Check under $1,000.00: $5.00 |
Certified draft: $10.00
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| Check protest fee: $20.00 |
| Copy of share draft, money order, cashier's check: $1.50 |
| Debit or credit card replacement: $10.00 |
| Deposit account closed within three months: $5.00 |
| Dormant account fee (per quarter): $20.00 |
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First Pay overdraft (ACH, draft, money order-first occurrence within 6 months free): $30.00
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Foreign Cash Letter Item: $10.00
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Foreign Collection Item: $25.00
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Inactivity fee (per quarter): $20.00
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IRA transfer to another financial institution: $25.00
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Late fee (delinquent over 25 days): $10.00
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Loan payment made via credit/debit card online: $10.00
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Loan payment made via credit/debit card phone: $15.00
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| Mortgage gas/lease subordination fee: $500.00 |
| Money order: $3.00 |
| Mortgage subordination fee: $200.00 |
| Overdraft Fee/NSF (ACH,draft,debit): $30.00 |
| Retrieval of a VISA draft (charge slip): $15.00 |
| Returned mail: $5.00 |
| Returned share draft: $30.00 |
| Skip a Payment: $25.00 |
| Statement Copy (Member, VISA or Mortgage): $5.00 |
| Stop payment fee (ACH,draft,money order): $30.00 |
| Stop payment of a share draft online: $10.00 |
| VISA credit card late payment fee: $25.00 |
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Wire transfers to other financial institutions (outgoing): $20.00
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| Wire transfers (international): $45.00 |
Internet Bill Payment
| Bill payment ACH overdraft fee: $30.00 |
| Donation Check: $1.99 |
| Gift Check: $2.99 |
| 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 |
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.
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.
