Fees
Effective Date: January 01, 2025
Account Related Fees
| Account Research (per hour) |
$50.00 |
| Canadian Checks (US Dollar Account) |
$10.00 |
| Check Orders |
Variable |
| Copy of Check (Including Deposited) |
$3.00 |
| Dormant Account |
$25.00 |
| Inactive Accounts |
$10.00 |
| Early Closeout Fee (180 days) |
$25.00 |
| Escheatment |
$25.00 |
| Instant Statement |
$5.00 |
| Insufficient Funds/Uncollected Funds/Retry Items |
$33.00 |
| IRA Trustee Transfer (outgoing) |
$30.00 |
| Missing Mailing Address (per month) |
$10.00 |
| Reg D Excessive Transaction Fee |
$10.00 |
| Money Market Excess of Three Checks Per Statement Cycle |
$10.00 |
| Overdraft Protection Transfer |
$5.00 |
| Returned ACH Credit/Debit (Origination) |
$30.00 |
| Statement Copy |
$10.00 |
Service Related Fees
| Backup Withholding |
$10.00 |
| Checkbook Reconciliation (per hour) |
$30.00 |
| Collection Item |
$20.00 |
| 1098/1099 Tax Form Copy |
$7.00 |
| Night Deposit (per drop) |
Free |
| Night Deposit Bag (additional bags) |
Free |
| Non-Member Loan Application Fee |
$25.00 - Non Refundable |
| Notary Service |
$1.25 |
| Return Deposit Item |
$6.00 |
| Return Mortgage Payment |
$25.00 |
| Return Consumer Loan Payment |
$25.00 |
| Return Credit Card Payment |
$25.00 |
| Security Fee |
$1.95 |
| Tax Liens/Levies |
$50.00 |
| Telephone Balance Inquiry |
$5.00 |
| Telephone Transfer |
$5.00 |
| Telephone Inquiry of Checks Cleared |
$5.00 |
| Verification of Deposit (social service) |
Free |
| Verification of Deposit (other lender) |
$10.00 |
| Verification Letter |
$10.00 |
Official Bank Checks
| Money Orders |
$5.00 |
| Official Checks |
$7.00 |
| Stop Payment |
$30.00 |
| Stop Payment Money Orders |
$30.00 |
| Stop Payment Official Check |
$40.00 |
Wire Transfer Fees
| Domestic/Foreign Incoming |
$10.00 |
| Domestic Outgoing |
$35.00 |
| Foreign Outgoing |
$50.00 |
| Recurring |
$10.00 |
ATM/Debit Card Service Fees
| Replacement of ATM/Debit Card |
$15.00 |
| Replacement of ATM/Debit Card (Rush) |
$75.00 |
Safe Deposit Box Fees
| Safe Deposit Box 3 x 5 |
$75.00 |
| Safe Deposit Box 3 x 10 |
$100.00 |
| Safe Deposit Box 5 x 10 |
$125.00 |
| Safe Deposit Box 10 x 10 |
$175.00 |
| Lock Drilling |
$129.00 |
| Lost Safe Deposit Box Key |
$149.00 |
| Late Rental Fee |
$10.00 |
Online Banking Fees
| Online Banking |
Free |
| Online Bill Payment |
Free |
| eStatements |
Free |
| Mobile Banking |
Free |
| Mobile Remote Deposit Capture |
Free |
Holyoke Credit Union ATMs are available for free, unlimited use by members. Other institutions may impose a surcharge for use of their ATMs.
