Online BankingFee Schedule
| Savings Account Fees | Cost |
|---|---|
| Savings (monthly if balance falls below $25.00) is waived for accounts <18 years of age. | $2.00 |
| Regulation D Excessive W/D fee | $5.00 |
| Closed account within 180 days | $25.00 |
| Overdraft transfer from savings | $5.00 |
| Single Share Account (waived for <18 years of age or $100 average monthly balance or using an additional service) | $3.00 |
| ATM Card (monthly) | $1.95 |
| Money Market Account Fees | Cost |
|---|---|
| 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 |
| Checking Account Fees - Basic Checking | Cost |
|---|---|
| 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 |
| Checking Account Fees - Business Checking | Cost |
|---|---|
| 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) | $15.00 |
| Over 75 withdrawals (maximum charge) | $20.00 |
| Checking Account Fees - HOT Line Checking | Cost |
|---|---|
| Check Printing Fee | Varies |
| Monthly Service Charge | $5.00 |
| Miscellaneous Fees | Cost |
|---|---|
| Paper Statement (printed, monthly) | $2.00 |
| Statement Copy | $5.00 |
| Check Copy | $5.00 |
| Account Printout (per page) | $5.00 |
| International Wire Trace | $25.00 |
| International Wire (outgoing) | $65.00 |
| International Wire (incoming) | $45.00 |
| Domestic Wire (outgoing) | $30.00 |
| Domestic Wire (incoming) | $15.00 |
| Collections (domestic) | $15.00 |
| Collections (international) | $20.00 |
| Return Mail | $5.00 |
| Bank Check (payable other than to member) | $5.00 |
| Money Orders (free for members age 65 and up) | $1.00 |
| Check Cashing (Non-HOTFCU) | $5.00 |
| Temporary Checks (price per check) | $5.00 |
| 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 |
| FedEx | Actual Cost |
| Account Reconciliation per hour | $35.00 per hour (minimum $35.00) |
| Account Research | $35.00 per hour (minimum $35.00) |
| Special Cash Orders over $10,000 | 1% of cost |
| Verification of Deposit by 3rd Party | $3.00 |
| Returned ACH (non-sufficient/uncollected funds) | $35.00 |
| Returned Check (non-sufficient/uncollected funds) | $35.00 |
| Courtesy Pay Overdraft | $35.00 |
| Other Party Checks Deposited Returned | $35.00 |
| Members Own Check Deposited Returned | $35.00 |
| Stop Payment | $35.00 |
| CarFax Report | $20.00 |
| Skip Payment (per loan) | $35.00 |
| Expedited Pay-Off on Real Estate (per request) | $15.00 |
| Print Amortization (per loan) | $20.00 |
| Inactive Account (12+ months, monthly) | $8.00 |
| Invalid Address (monthly) | $10.00 |
| Advance Pay | $35.00 |
| Coin Counting Fee | 2% of total $500 or less, $35 flat fee for total over $500.00 |
| Debit / ATM Cards | Cost |
|---|---|
| Debit / ATM Replacement Card | $5.00 |
| Debit / ATM Replacement or Retrieval of PIN Number | $5.00 |
| Expedited Debit Card | $65.00 |
*The fees and percentages appearing in this 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 November 1, 2025.
