Truth-In-Savings Fee Schedule

Share Draft Account Fees

Overdraft $20.00 per item NSF $20.00 per item Returned Item $10.00 per item Stop Payment $10.00 per item Copy Of Check $2.00/check (two free per month) Sharedraft Printing Prices may vary depending on style Protest Check $15.00/$25.00 (member/non-member respectively)

Money Market Savings Account Fees

Service Fee $10.00/ month if minimum balance not met Excessive Withdrawal $15.00/ withdrawal after three (3) withdrawals/month

Other Service Fees

Wire Transfer $10.00 (Domestic) per transfer   $45.00 (International) per transfer Account Reconciliation $20.00/hour -- $10.00 minimum charge Statement Copy $1.00/page Account Activity Printout $1.00/printout Deposited Item Return $10.00/item Legal Process $100.00 Account Closure $10.00 if acct. closed within ninety (90) days Photocopy $1.00/copy Fax $1.00/fax (outgoing and incoming) Excessive Transfers $2.00/transfer after six (6) transfers Return Mail $1.50 (address change) Money Order $1.00 Bank Check $1.00

EFT Fees

ATM Card Fees ATM Transaction $1.50/ea. Transaction @ ATM not owned by HFCU Card Replacement $5.00/card NSF $20.00 per item Excessive Usage $1.50/ transaction, after 3 withdrawals from HFCU owned ATM per day Foreign Transaction 1.00% of transaction amount   Combo Card Fees ATM Transaction $1.50/ea. Transaction @ ATM not owned by HFCU Card Replacement $5.00/card NSF $20.00 per item Excessive Usage $1.50/ transaction, after 3 withdrawals from HFCU owned ATM per day Foreign Transaction 1.00% of transaction amount   Preauthorized EFT Fees NSF $20.00 per item

Share Value

Par Value of 1 Share $25.00 Par Value of 1 Share $5.00 (Under age eighteen (18))