| Account Research | $25 per hour, $25 minimum |
| ATM Transaction Fee on ATMs not owned by HHCU, and not in the Alliance One ATM Network | $2.50 per transaction
|
| Auto/Vehicle Loan Origination | $195 (one-time fee) |
| Auto/Vehicle Loan Protection | Debt Protection: Price varies depending on protection amount;
Guaranteed Asset Protection (GAP): $399 one-time optional fee;
Mechanical Repair Coverage (MRC): Price varies depending on protection amount |
| Card Foreign Transaction Fees* | Credit Card (1% of transaction amount), Debit Card (1.0% of transaction amount) |
| Cashier's Check Purchase | $3 each |
| Money Order Purchase | $2 each
|
| Check Cashing for members with less than $300 in combined loans and deposits with HHCU, waived if age 25 or under | $3 each |
| Check/Money Order Copy | $3 each |
| Checks | Price varies depending on check order; 40 Counter Checks free |
| Counter Check Purchase | $0.50 each |
| Court Order Processing | $25 per hour, $25 minimum |
| Early Account Closure (within 3 months of opening) | $5 |
| Escheatment Processing | $25 |
| Foreign Item Collection | $15
|
| Gift Card Purchase | $3 (non-member, $6) |
| ID Protect (Identity Theft Protection Coverage) | $4.95 per month |
| Inactive Account - No activity for 6 months and less than $300 in combined loans and deposits with HHCU | $5/month |
| Inactive Account Below Minimum | If below required $5 share, account is charged fee to bring balance to zero |
| Late Loan Payment (after 15-Day Grace Period) | $17 each |
| Late Credit Card Payment (after 10-day Grace Period) | Lesser of amount of minimum payment due or $15 |
| Late Line of Credit Payment (after 15-Day Grace Period) | $10 |
| Late Mortgage Payment - 1st Mortgage (after 15-Day Grace Period) | 5% of Principal & Interest |
| Late Mortgage Payment - 2nd Mortgage (after 15-Day Grace Period) | 5% of Principal & Interest ($10 maximum) |
| Money Market Average Daily Balance Below $1,000 | $2/month
|
| Mortgage Origination: 1st Mortgage/Land | $995 |
| Mortgage Origination - Construction
| $1000 |
| Negative Overdraft Balance after 30 consecutive days | $33 |
| Overdraft/Non-Sufficient Funds (NSF) | $33 per presentment |
| Overnight/Rush Processing for Credit & Debit Cards | $30 |
| Paid Overdraft
| $33 per presentment |
| Repay Loan Payment | $5.95 |
| Safe Deposit Boxes | $12 - $70/year (available in Bedford and Jasper; see Member Service for details) |
| Safe Deposit Box Replacement Keys/Lock | $20-$100 (see Member Service for details)
|
| Statement Duplicate Copy | $5 each; $30/year maximum |
| Stop Payment | $33 each; $40 for series of checks |
| Domestic Wire Transfer - Incoming in US | $10 |
| Domestic Wire Transfer -Outgoing in US | $25 |
| Foreign Wire Transfer: incoming from outside US or outgoing outside of US | $50
|
