Regular Checking

 Free Checking

 Smart Start

 Smart Teen

 Debit Card

 AlternaPAY

 Fee Schedule

 Overdraft Protection

 Check Balance Tips

Fee Schedule


Rates Effective: 9/03/10

Banking Fees
Type Fee
24-Hour Teller Telephone Banking no charge
American Express Gift Checks $2.50
Bad Address Fee
(charge after first statement returned)
$4.00
Check Charge Fee varies by style
Check Collection $20.00
Check Copy Fee $2.00
$5.00
(if older than 12 months)
Christmas Club Withdrawal $5.00
Coin Counting 3% of total
no charge for minors & non-profits (restrictions apply)
Early Account Closure
(w/in 30 days of opening)
$15.00
Emergency Checks 4 for $3.00
Escheat Fee $50.00

Foreign Check Collection Plus Correspondent Fee
$20.00
Inactive Account Fee
(Account must be inactive for 6 months; members under 18 years exempt)
$5.00/mo
IRAs (opening/closing) $25.00
Levies or Attachments Placed on Accounts $25.00
Low Balance Fee for Draft Accounts
($100.00 min. balance)
$7.50
Low Balance Fee for Free Checking Accounts
(no min. balance)
no charge
Money Orders $2.00
Official Check
$5.00
no charge for checks payable to account owner, IRS, real state taxes
Online Banking - AlternaNet no charge
Online Bill-Paying - AlternaPay no charge
Overdraft Fee (per item) $23.00
Reconciliation & Research (per hour) $20.00
Returned Deposited Items $20.00
Safe Deposit Forced Drilling based on cost
Safe Deposit Key Replacement $15.00
Safe Deposit Rental Fee
(varies by size)
$25 to $100
Share Transfer Fee $5.00
Statement Copy $2.00
Stop Payment $20.00
Travelers Checks $1.00
1 signature per $100.00- first $500.00 free
$1.50
2 signature per $100.00- first $500.00 free
Wire Transfer Outgoing - US $20.00
Wire Transfer Outgoing - International $30.00
Western Union min $20.00


ATM, AlternaCheck & HSA Debit Card Fees
Type Fee
ATMs & PIN-Based Transactions
(Surcharge may be imposed by other financial institutions)
no charge
for HRCU & Co-Op ATMs
$1.50 ea
All other ATMs
no charge
for Point of Sale (POS)
Card Replacement Charge $5.00
$30.00
Emergency Overnight Fee
Chargeback $12.00-$30.00
Pass Through Fee from VISA VISA charges a fee for transactions conducted outside the US. Please be aware that this fee will be passed on to the member.
Stop Payment Fee $30.00


Health Savings Account Fees
Type Fee
Debit Card Fees (see debit card section)
Low Balance Fee ($500 min balance) $3.00
Opening / Closing Account $25.00


Premier Business Account Fees
Type Fee
ACH Origination/Payroll Svcs. (per payroll period) 1-9 Employees
$10.00
10-15 Employees
$15.00
16+ Employees
$20.00
Coin Orders (per roll) $0.05
Currency Orders (per strap) $1.00
Disposable, Tamper-Resistant Plastic Deposit Bags
(Small 2” x 12”)
$100.00
box of 500
$0.20
single bags
(minimum: 25 bags)
Disposable Tamper-Resistant Plastic Deposit Bags
(Medium - 12” x 16”)
$155.00
box of 500
$0.30
single bags
(minimum: 25 bags)
Disposable Tamper-Resistant Plastic Deposit Bags
(Large - 15” x 20”)
$100.00
box of 250
$0.40
single bags
(minimum: 25 bags)
Low Balance Fee for Draft Accounts no charge for
Premier Business Checking (no min. balance)
unlimited transactions
$10.00
Additional Checking Accounts ($500 min. balance)
unlimited transactions
Overdraft Fee (per item) $23.00
Reconciliation & Research (per hour) $20.00
Returned Deposited Items $20.00




Have any questions about balancing your checkbook?
Click here for a few tips on how to make it easier.


Friday, Sep 03
3:01 PM


Club Accounts work
just like a savings
account, with no
minimum balance.


Home Equity Discounts
E-Statements
And more!