FEES


This fee schedule for all accounts sets forth certain conditions, fees, and charges applicable to your share accounts, share draft accounts, and term share accounts at Heritage South Community Credit Union currently in effect. This schedule is incorporated as part of your account agreement with Heritage South Community Credit Union.

Membership Fee
(One time fee upon joining) 
 $1.00
Excess Share Withdrawal Fee
(After 3 withdrawals from savings in a month)
 $5.00
Monthly Dormant Account Fee
(After no activity for 1 year and undeliverable address for statements)
 $10.00
Returned Mail Fee
(Per Item) 
 $10.00
Monthly Bad Address Fee
(for each month the account has an undeliverable address) 
 $10.00
Non-sufficient funds/Overdraft
(per item-occurrence)
 $25.00
Stop Payment  $25.00
Temporary Emergency Share Drafts
(per page includes 4 checks)
 $1.00
Photocopy of Cleared Drafts
(per draft)
 $0.25
Transaction History Printout
(per page)
 $0.25
Card Replacement or New PIN  $8.00
Wire Transfers  $12.00 
Teller Checks  $1.00
Money Orders  $1.50
VISA Gift Card  $5.00
Visa Travel Money Card  $4.00
Attachment\Garnishment\Levy Fee  $10.00
Check Cashing Fee  2% of amount of check If savings account average balance is less than
$50 and no other active accounts
Check Cashed or Deposited Returned
Unpaid for Any Reason

 $8.00
Research
Per hour ($25.00 minimum)
 $25.00
Copy or Fax   $0.25
Early Account Closure
(If closed within 60 days of opening)
 $5.00
 Collection Fee for Negative Checking  $30.00
 Name SS# Mismatch
(Passthrough fee charged by IRS)
 $100.00
Gold Share Account Fees – Monthly 
Minimum Balance Fee
(if balance falls below $2500) 
 $20.00
Checks written over the maximum (3)  $20.00
Excessive Withdrawals over the maximum (3)  $20.00
Bill Pay is FREE for all HSCCU Members who have
eStatements and direct deposit/payroll deduction. 
Bill Pay for members without eStatements and direct 
deposit/payroll deduction
 $2.95
Lock Box Rental
(Annually)
3x5.....$15.00
3x10....$25.00
5x10....$35.00
10x10...$60.00

 Loan Application Fees

 Mortgage Application Fee  $50.00
 Consumer Loan Application Fee  $25.00