NOTICE: We have been notified that Kmart experienced a Data Breach between September 3, 2016 and April 3, 2017. BHCFCU is in the process of notifying each account holder affected as well as closing and issuing new debit cards for each account. We thank you for your continued support.


Effective April 1, 2011
Share Accounts
 

Below Minimum balance Fee (under $50)

$5.00/month

Excessive Withdrawal Fee (3 free per quarter)**

$4.00 each

Inactive Service Fee (no transactions in 12 months and no loan or IRA account)

$5.00/month

Membership Fee (at Membership Opening)

$5.00

   
Club Accounts
 

Excessive Withdrawal Fee (3 free per year)

$4.00 each

   
Share Draft (Checking) Accounts
 

NSF Fee (Draft, ACH, POS, Debit/ATM)

$30.00 each

Automatic Overdraft (3 free per month)**

$5.00 each

Copy of Draft

$3.00 each

Classic Checking Monthly Service Fee (without Direct Deposit or $2,500 balance)

$5.00/month

Partnership Checking Service Fee

$5.00/month

Stop payment (ACH/Draft)

$30.00 each

Paid NSF (Member Privilege) (Draft, ACH, POS, Debit/ATM)

$30.00 each

Security Fee

$1.95/month

 

 

Money Market Account
 

Excessive withdrawals **

$5.00 each

 

 

Automated Teller Machines (ATMs)
 

Visa Debit/ATM Pin Reorder (first card/pin free)

$5.00 each

Visa Debit/ATM Card Reorder (lost, stolen, or damaged)

$15.00 each

Visa Debit Card International Transaction Fee

1% of amount

ATM Overdraft 

$30.00 each

Deposit Correction Fee

$15.00 each

Inquiries/Transfers at BHCFCU ATMs

FREE

Withdrawals at BHCFCU ATMs

FREE

P.O.S. Purchases

FREE

Inquiries/Transfers at STAR & Presto ATMs

$.50 each

Withdrawals at Presto! ATMs (5 free per month)

$.50 each

Withdrawals at STAR ATMs

$1.00 each

 

 

Loans
 

Application Fee (one time upon opening an open end loan)

$10.00

Late Payment Fee (over 10 days after due date)

$15.00 each

NSF Check (payment item)

$30.00 each

Subordination Fee

$175.00 each

NSF Check (exceeds Home Equity limit)

$30.00 each

Home Equity Minimum Advance Fee

$30.00 each

Credit Card Annual Fee

FREE

Cash Advance other vendor Credit Card4

$7.00 each

Credit Card Late Fee - Based on Balance

 

     Balance less than $100

$10.00

     Balance between $100.01 - $1,000

$15.00

     Balance above $1,000

$25.00

Credit Card Returned Payment Fee - Per Item

$25.00

Credit Card Replacement Card

$15.00

Credit Card Replacement PIN

$2.00

Credit Card Overnight Express Card Order

$50.00

 

 

Miscellaneous
 

Account Reopening Fee (within 90 days of closure)

$10.00 each

Account Research

$15.00/ hour

Bad Address

$5.00/month

Official Check Fee (payable to third party)

$3.00 each

Check Cashing Fee

$3.00 each

History (supplemental statement)

$3.00 each

Legal Process Fee (IRS levy, subpoena, garnishment, etc.)

$50.00 each

Money orders

$2.00 each

New Account Closure (within 6 months)

$10.00 each

Returned Deposit Item/Cashed Check - From Third Party

$10.00 each

Returned Deposit Item/Cashed Check - From Self

$30.00 each

Stop Payment - Official Check

$25.00 each

Western Union Transfers - Outgoing

$25.00 each

Wire Transfers - Domestic Outgoing

$15.00 each

Wire Transfers - International Outgoing

$40.00 each

Gift Cards

$3.00 each

** Federal regulations limit number of transfers or withdrawals allowed per calendar month to six. Transfers/withdrawals in excess of six will be returned for non-sufficient funds.

4Excludes surcharge fee imposed by VISA on international transactions and/
or surcharges imposed by merchants or other financial institutions.

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