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Fee Schedule


                                            Savings Account Fees                                                            

 

Savings (monthly if balance falls below $25.00) …………………………………….......................………………….. $2.00

Telephone request for withdrawal of less than $50.00 ……………..…………………...........................…………… $1.00

Regulation D Excessive W/D fee …………………………………………………………......….........………………  $5.00

Closed account within 180 days …………………………………………………………......……..........………………. $15.00

Returned ACH (non-sufficient/uncollected funds) ..…………………………………...........…..............………… $30.00

Other Party Checks Deposited Returned    ……………………………………………..........……………..........……. $10.00

Members Own Check Deposited Returned …………………………………………..........……………….........… $30.00

Stop Payment ………………………………………………………………………………..………………......………. $30.00

 

 

                                          Money Market Account Fees                                                       

 

Check Copy ……………………………………………………………………………………………...…..…………  $3.00

Returned Check (non-sufficient/uncollected funds) ……………………………………...............….......…… $30.00

Returned ACH (non-sufficient/uncollected funds) ..……………………………………............……......……. $30.00

Other Party Checks Deposited Returned  ……………………………………………………………….............…. $10.00

Members Own Check Deposited Returned …………………………………………………..........….....……….$30.00

Stop Payment …………………………………………………………………………………………..……..………. $30.00

Check Printing Fee  ……………………………………………………………………………………………………  Varies

Regulation D Excessive W/D fee ………………………………………………………………….......………….  $5.00    

Withdrawals of less than $200.00 ……………………………………………………………………..........………. $10.00

Service charge (below minimum balance of $2,500) …………………………………………….................…… $10.00

Overdraft from Savings ………………………………………………………………………………...…………   $2.00

 

 

                                               Checking Account Fees                                                            

 

Check Copy ………………………………………………………………………………………..………………   $3.00

Returned Check (non-sufficient/uncollected funds) …………………………………………............……  $30.00

Returned ACH (non-sufficient/uncollected funds)……………………………………………............…….  $30.00                  

Other Party Checks Returned  ……………………………………………………………………......…………..  $10.00

Members Own Check Deposited Returned………………………………………………………..........…….  $30.00

Checks paid through Overdraft Loan (maximum charge per day $59.00) ………………........................….  $29.50

Stop Payment …………………………………………………………………………………………..………….  $30.00

Overdraft from Savings …………………………………………………………………………….….………     $2.00

                                     

No Frills Checking

Check Printing Fee  ……………………………………………………………………………………………….   Varies

Monthly Service Charge ………………………………………………………………………………………….    $0.00

Debit Card (monthly) ………………………………………………………………………………...……………    $1.95

Up to 50 transactions …………………………………………………………………………………..…………..  No Fee

51-74 withdrawals (maximum charge) …………………………………………………………….....…………   $10.00

Over 75 withdrawals (maximum charge)…………………………………………………………......………...   $12.50

 

HOT Line Checking

Check Printing Fee  ………………………………………………………………………………………………..   Varies

Monthly Service Charge …………………………………………..………………………………………………   $5.00

 

GEM Checking

Check Printing Fee (specific styles) ……………………………………………………………………………..   Free

Monthly Service Charge ……………………………………………....…………………………………………..   $9.75

Account print out (one per quarter) ……………………………………………………………....………………   Free

Travelers Checks ………………………………………………………………………………….………………   No Fee

Stop Payment (one per quarter) …………………………………………………………………………………   No Fee

Check Copy (one per quarter) ………………………………………..………………………………………….   No Fee

 

 

                                 Miscellaneous Service Fees (all accounts)                                

 

Membership Fee (one-time fee) ………………………………………………………………………………….   $5.00

Notary Service (members only) …………….……………………………………..……………………………      Free

Audio Response ………………………………………………………………………………….……………….     Free

Online Banking ………………………………………………………………………………….…………...……     Free

Bill Payor Service ……………………………………………………………………………....…………..……..    $5.95

Statement Copy ……………………………………………………………………………..……………….…….    $5.00

Account Printout (per page) …………………………………………………………………….………..……....    $3.00                 

International Wire Trace ……………………………………………………………………….…………………  $25.00

International Wire (outgoing) ……………………………………………………………………………..……….. $60.00

International Wire (incoming) …………………………………………………………………...……..………….. $45.00

Domestic Wire (outgoing) ……………………………………………………………………...…...……………… $25.00

Domestic Wire (incoming) ……………………………………………………………………...…….…………….. $10.00

Western Union (domestic) ……………………………………………………………………...….……………….  $25.00

Collections (domestic) …………………………………………………………...………..………………………..  $15.00

Collections (international) …………………………………………………….…………………….……………. $20.00

Single Share Account

(waived for 17 years and younger or $1,000 average daily balance or if using CU product)….............….     $3.00

Return Mail ………………………………………………………………………………………………….………    $5.00

Bank Check (payable other than to member) …………………………………………………….....…...……..    $5.00

Money Orders ………………………………………………………………………………………..…….……….    $1.00

Check Cashing (Non HOTFCU) ……………………………………….......………..    1% or $3 whichever is greater

Temporary Checks (price per page) …………………..………………………………………..……………….     $4.00

Photo Copies …………………………………………………....……...   n/c 1st page; $.25 each additional page

Telephone Account Inquiry/Transfer (completd by HOTFCU Representative) …….....................………..     $1.00

Tax Levy ……………………………………………………………………………………..……....………………   $50.00

Garnishment ……………………………………………………………………………………......……………….   $50.00

Advance Pay …………………………………………………………………………………...…..……………….   $29.50

FedEx ………………………………………………………………………………………..………………….   Actual Cost

Travelers Checks for 1 ………………………………………………………………....…………………………..       1%

Travelers Checks for 2 ……………………………………………………………..………………………………      1.5%       

Special Cash Orders over $10,000 ……………………………………………………………………….     1% of cost

Verification of Deposit by 3rd Party ……………………………………………………………………...……..    $3.00

CarFax Report ……………………………………………………………………...………………………………..  $20.00

Skip Payment (per loan) ………………………………………………………...…………………………………  $25.00

Expedited Pay-Off on Real Estate (per request) ……………………………..…………………….......……..  $15.00

Print Amortization (per loan) …………………………………………………………………………..…………  $20.00

 

 

                                                   Debit/ATM Cards                                                             

 

Debit/ATM Replacement Card ……………………………………………………………………………………...   $5.00

Debit/ATM Replacement or Retrieval of PIN ………......………………………………………………...………..   $5.00

Expedited Debit Card …………………………………….………………………………………………...…………  $65.00

 

 

 

*The fees and percentages appearing in this Rate & Fee Schedule are accurate and effective for all accounts as of the date Indicated below. New or changes to existing fees are indicated in bold. 

Effective August 1, 2016.