Heritage South Credit Union

Call Center: 256-245-4776
Voice Response: 256-249-8318

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Fees

effective May 1, 2010
Rates and Fees are Subject to change without notice.

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Home Banking	FREE
Voice Response (Telephone Banking)	FREE
Online Bill Pay	FREE
Bill Pay Inactivity Fee (inactive for 3 months)	$7.00 per month
Overdraft Fee  - may be imposed in connection with checks, in person withdrawals, ATM withdrawals, or by other electronic means.	$28.00
Insufficient Check Charge	$28.00
Check Order Charge	$15.28 - $25.00
Club Early Withdrawal Fee	$10.00
Account Closure Fee (closed within 90 days)	$25.00 per account
Check Cashing Fee	5%
Wire Transfer Fee-Incoming or Outgoing	$12.00 each
Foreign Wire Transfer Fee-Incoming or Outgoing	$40.00 each
Research and Balancing	$15.00 per hour
Account Print Out	$1.00 per page
Copy of Statement	$5.00 per statement
Stop Payment Request	$28.00
Copy of Check Request	$1.50 each
Money Order Service Charge	$5.00 each
Return Mail Fee	$3.00
Return Deposit Item	$3.00
Return Check Fee	$28.00
ATM withdrawals at other institutions	4 free, then $0.85 each
ATM withdrawals with a foreign card	$3.00
VISA Late Fee	$25.00
Credit Life/Disability Loan	Actual Cost
Loan Late Charge (min.=$5,max.=$100)	5% of payment
Debit Card Replacement	$5.00
Inactivity Fee (defined as no activity for 6 months on any single share)	$5.00
Dormancy Fee (defined as no activity for 24 months with balances	$5.00
Subpoena/Levy/Garnishment	$35.00
Copy/Fax Fee	$1.00 per page
Credit Union Check or Official Check
Payable to member	No Charge
Payable to someone else	$5.00
Check Reissue/Merchant Check Replacement	$5.00
Gift Cards
VISA Gift Card	$5.00
American Express Gift Card	$5.00
VISA Travel Card	$5.00
Reloadable Debit Card	$5.00
Safe Deposit Boxes
5x5	$25.00 annually
3x10	$30.00 annually
5x10	$50.00 annually
10x10	$100.00 annually
Fee to drill safe deposit box	Actual Cost
Fee replacement for safe deposit box key	Actual Cost

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ROUTING NUMBER: 262277118

This credit union is federally insured by the National Credit Union Administration.
Additional insurance coverage provided by Excess Share Insurance Corporation.
©2008-2012, Heritage South Credit Union. All Rights Reserved