Fee Schedule
Harbor Pointe Credit Union Fee Schedule
| Checking Account Fees | |
|---|---|
| Virtual Checking – Check clearing fee (after 4/month) | $1.00/check |
| NSF Fee (Item Returned) | $30.00/item |
| Overdraft Fee (Item Cleared) | $30.00/item |
| Paid Uncollected Fee | $30.00/item |
| Overdraft Transfer Fee (manual Transfer) | $2.00/transfer |
| Stop Payment Fee | $25.00/request |
| Standard HPCU Share Draft (check printing) carbon -duplicates | $27.54 / 60 pack |
| Standard HPCU Share Draft (check printing) no carbon – singles | $26.55 / 60 pack |
| inquire with teller / 25 pack | |
| Temporary Checks | $2.00 / 4 checks |
| Draft (check copy) | $2.00/each item |
| Canadian Deposited (check or money order) | $20.00/each item |
| Returned Check Deposit | $5.00/item |
| Foreign Deposited Item Return Fee | $15.00/item |
| Excessive Withdrawal Fee | $5.00/withdrawal |
| (after 6 transfers from savings/month) | |
| Overdraft Line of Credit Access Fee | $3.00/each transfer |
| Inactive Checking Account (after 1 Year) | $10.00/month |
| Other Service Fees | |
|---|---|
| Request to Mail Receipt | $1.00 |
| Domestic Wire Transfer | $25.00/transfer |
| Incoming Wire Fee | $5.00 |
| International Wire Transfer | $75.00/transfer |
| Credit Union Check (cashier’s Check) | $5.00/check |
| Certified Check | $7.00/check |
| VISA® Gift Card | $4.00/each |
| Account Reconciliation | $25.00/hour |
| eStatement | Free |
| Paper Statement (Effective May 2022) | $5/month for Virtual Checking accounts |
| Statement Copy Fee | $5.00/copy |
| Debit Card Replacement Fee | $10.00 / $50 expedited delivery |
| Early Account Closure Fee (within 90 days) | $25.00/account |
| Account Below Minimum Balance | $5.00/account |
| Levy/Garnishment Fee | $50.00/occurrence |
| Return Mail | $5.00/piece |
| Invalid Address Fee | $5.00/month |
Dormant Account Fee (3 years no activity & balance $50 or below) | $50.00 (account may be closed if below par) |
| Signature Guarantee Stamp | $25.00 |
| VISA® Card Replacement Fee | $10.00 / $50 expedited delivery |
| Check Cashing (combined balances under $50) | 1% of check amount |
| Coin Counting (combined balances under $50) | 1% of coin total |
| Loan Payment By Debit Card (in person or by phone) | $5.00 or 2% of loan payment whichever is greater |
| Loan Payment Online By Debit Card | $5.00 |
| Lien Release Replacement Fee | $5.00 |
| Lender Request Payoff | $10.00 |
| Unperfected Title | $25.00/month |
| Duplicate Mortgage Satisfaction | $25.00 |
| Electronic Services Fees | |
|---|---|
| Bill Pay / Zelle® (Classic Checking) | $4.00/month |
| Bill Pay / Zelle® (Virtual Checking) | Free |
| TransferNow Fee (3 bus. day) | $3.00/transfer |
| Mobile Check Deposit | |
| Personal Account | Free |
| Business Account | $0.50 per check |
| Business Checking Fees | |
|---|---|
| Service Fee | $10.00/month |
| Volume Fee | .20 per debit (after 35 debits per month) |
| Coin Counting | 1% of coin total |
| Safe Deposit Box Fees | |
|---|---|
| Annual Rent Size 3×5 | $25.00 |
| Annual Rent Size 3×10 | $45.00 |
| Annual Rent Size 5×5 | $40.00 |
| Annual Rent Size 5×10 | $60.00 |
| Annual Rent Size 10×10 | $90.00 |
| Change Locks | $50.00/box |
| Drilling of Box | $250.00/box |
| Safe Deposit Late Payment | $10.00 |
Updated: 01/28//2022