| Check
Cashing - Under Minimum* |
|
| Account Requirement, per item...5% of the value of the check(s) or $5 (whichever is les). |
| Official
Checks** |
|
| Official Check to Self |
FREE |
| Official Check to 3rd Party |
$3.00 |
| Replacement
checks (member) |
$5.00 |
| Replacement
checks (non-member) |
$15.00 |
| Non-Harland
checks, processed manually, each |
$1.00 |
| Check
verification, each (phone #866.376.2420) |
$2.00 |
| Temporary
checks, per page |
$2.00 |
| Travelers
Cheques**(traditional) per $100 |
$1.00 |
| Insufficient
Funds, Item Returned, per item |
$35.00 |
| Insufficient
Funds, Item Paid, per item |
$35.00 |
| Replacement
Loan Coupon Booklets |
$5.00 |
| Overdraft
Fee, each |
$35.00 |
| Overdraft
Protection - See Reg D. below |
$3.00 |
| Overdrawn
Fee, per day after five days |
$10.00 |
| Deposit
Item Returned Unpaid, per item |
$6.00 |
| Stop
Payment, per item |
$35.00 |
| Wire
Transfers, Outgoing, per item |
$15.00 |
| Wire
Transfers, Outgoing, International, per item |
$25.00 |
| Wire
Transfers, Incoming, per item |
$5.00 |
| Close
Share Account - within 3 months of opening |
$5.00 |
| Dormant
Account, per month |
$5.00 |
| Bad Address,
per month |
$1.00 |
| Funds Transfer |
|
| Standard Incoming Transfers |
FREE |
| Standard Outgoing Transfers |
$5.00 |
| Premium Incoming Transfers |
FREE |
| Premium Outgoing Transfers |
$10.00 |
| P2P (Person to Person) |
FREE |
| Maximum Transfer Amount |
$10,000 |
| Automated
Teller Machine (ATM/Debit Card)** |
|
| Heritage
Trust ATMs |
FREE |
| Non-Heritage
Trust ATMs |
$1.50 |
| Replacement
ATM/Debit Cards |
$5.00 |
| Heritage
Contact Center |
|
| Transfers, each |
$1.00 |
| Loan
Payment over the telephone |
$10.00 |
| Balancing
Statement / Account Research |
|
| Less
than 30 minutes |
FREE |
| 30 minutes
and over, per hours |
$25.00 |
| Statement
Copies** |
|
| Internet Banking |
FREE |
| In Branches |
$5.00 |
| Mailed |
$6.00 |
| Check Copies, each |
$1.00 |
| Safe
Deposit Box Fees, Annual** |
|
| 3x5 |
$25.00 |
| 5x5 |
$45.00 |
| 3x10 |
$50.00 |
| 5x10 |
$65.00 |
| 10x10 |
$100.00 |
| Replacement Key |
$8.00 |
| Box Drilling Fee |
$100.00 |
| Checking Account Fees, Monthly*** |
|
| Heritage Back to Basic Checking Account**** |
FREE |
| Heritage Bonus Checking Account**** |
FREE |
| Heritage Vintage Checking Account**** |
FREE |
| Heritage Advantage Checking Account***** |
$2.95 |
| Heritage Classic Checking Account***** |
$9.95 |
| Heritage Platinum Checking Account***** |
$9.95 |
| Heritage Partnership Checking Account |
$19.95 |
| Loan
Payments |
|
| Loan Payment over the phone |
$10.00 |
| Loan Extension Processing Fee |
$30.00 |
*There is a $10.00 charge or a charge of 10% of the face
value for members with no other relationship other than a
savings account with a balance less than $100.
**Platinum, Golden, Classic, and Student Members may receive
a discount or free service.
***Checking accounts can be owned individually or jointly and are available to those members who are at least 18 years of age. Members age 18 or under can have a checking account only as a joint owner with an adult. No membership fee is necessary except in cases of new membership.
****There is a $25 minimum deposit to open the Back to Basics Checking Account. No minimum balance requirement, no monthly service charge and no per check fee.
The Vintage Checking Account is available members aged 50 or older. In addition to basic checking benefits, this account offers discounts on consumer loan rates, free traveler’s checks and dividends paid on tiered rates if a monthly balance of $500 is maintained.
The Bonus Checking Account is a premium checking account is available with A $500 direct deposit is required and a $20,000 minimum on total deposit and/or in loan balances. If minimum balance drops below $20,000 a $7 monthly fee will be charge.
*****The Advantage, Classic, Platinum, Golden and Student checking accounts are not available as new accounts. Any existing accounts under these programs will be grandfathered and their current terms will continue to be honored. Qualified members with any such account may switch to any of the new checking accounts offered.
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