Effective January 1, 2023
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 Card Reorder (lost, stolen, or damaged) |
$15.00 each |
Visa Debit Card International Transaction Fee |
1% of amount |
ATM Overdraft |
$30.00 each |
Debit Card Rush Fee |
$30.00 |
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 |
$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.) |
$75.00 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 |
Wire Transfers - Domestic Outgoing |
$25.00 each |
Wire Transfers - Domestic/International Incoming |
$10.00 each |
Wire Transfers - International Outgoing |
$50.00 each |
Gift Cards |
$3.00 each |
Special Handling |
$20.00 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. |