Regular Checking

 Free Checking

 Smart Start

 Smart Teen

 Debit Card

 AlternaPAY

 Fee Schedule

 Check Balance Tips

Fee Schedule


Effective Date: 3/11/10

Services Fees

Banking Fees


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
if older than 12 months

$2.00
$5.00

Christmas Club withdrawal

$5.00

Coin Counting
(Minors & Non-Profits (Restrictions apply)

3% of total
no charge

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
*checks payable to account owner, IRS, real state taxes

$5.00
no charge

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 signature per $100.00- first $500.00 free

$1.00

Travelers Checks
2 signature per $100.00- first $500.00 free

$1.50

Wire Transfer Outgoing - US

$20.00

Wire Transfer Outgoing - International

$30.00

Western Union

min $20.00

ATM, AlternaCheck & HSA Debit Card Fees


ATMs & PIN-Based Transactions*
HRCU & Co-Op ATMs
All other ATMs
(*Surcharge may be imposed by other financial institutions)

Point of Sale (POS)


no charge
$1.50 ea.



no charge

Card Replacement Charge
Emergency Overnight Fee

$5.00
$30.00

Chargeback

$12.00-$30.00

Copy of Sales Draft

$5.00

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


Debit Card Fees

(See Debit Card section)

Low Balance Fee ($500 min balance)

$3.00

Opening / Closing Account

$25.00

Premier Business Account Fees


ACH Origination/Payroll Svcs. (per payroll period)
1-9 Employees
10-15 Employees
16+ Employees


$10.00
$15.00
$20.00

Coin Orders (per roll)

$0.05

Currency Orders (per strap)

$1.00

Disposable, Tamper-Resistant Plastic Deposit Bags - Small
2” x 12” - box of 500
2” x 12” - single bags (minimum: 25 bags)



$100.00
$0.20

Disposable Tamper-Resistant Plastic Deposit Bags - Medium
12” x 16” - box of 500
12” x 16” - single bags (minimum: 25 bags)



$155.00
$0.30

Disposable Tamper-Resistant Plastic Deposit Bags - Large
15” x 20” - box of 250
15” x 20” - single bags (minimum: 25 bags)



$100.00
$0.40

Low Balance Fee for Draft Accounts
Premier Business Checking (no min. balance)
unlimited transactions

Additional Checking Accounts ($500 min. balance)
unlimited transactions


no charge


$10.00

Overdraft Fee (per item)

$23.00

Reconciliation & Research (per hour)

$20.00

Returned Deposited Items

$20.00


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