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Routing #291973687

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Fee Schedule


Harbor Pointe Credit Union Fee Schedule
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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)$33.70 / 80 pack
inquire with teller / 40 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
Phone VISA® Payment By Teller$2.00/request
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
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 AccountFree
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 Counting1% 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