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IMPORTANT ANNOUNCEMENT:

Mobile Banking is here! Get our TouchBanking app today!

ONLINE BANKING LOGIN:

Enroll in Online Banking!


IMPORTANT ANNOUNCEMENT:

Mobile Banking is here! Get our TouchBanking app today!

Fee Schedule


                                            Savings Account Fees                                                            

 

Savings (monthly if balance falls below $25.00) …………………………………….......................…………………... $2.00

Regulation D Excessive W/D fee …………………………………………………………......….........………………..... $5.00

Closed account within 180 days …………………………………………………………......……..........……………….. $15.00

Overdraft transfer from savings ............................................................................................................................... $2.00

Single Share Account (waived if <18 years of age or $100 average monthly balance or using an additional HOTFCU service ) ................................ $3.00

 

 

                                          Money Market Account Fees                                                       

 

Check Printing Fee  …………………………………………………………………………………………………….......... Varies

Regulation D Excessive W/D fee ………………………………………………………………….......…………................ $5.00    

Withdrawals of less than $200.00 ……………………………………………………………………..........………............ $10.00

Service charge (below minimum balance of $2,500) …………………………………………….................……............ $10.00

 

                                               Checking Account Fees                                                            

                                     

No Frills Checking

Check Printing Fee  ………………………………………………………………………………………………......................Varies

Monthly Service Charge …………………………………………………………………………………………...................... $0.00

Debit Card (monthly) ………………………………………………………………………………...……………..................... $1.95

Up to 50 transactions …………………………………………………………………………………..…………..................... No Fee

51-74 withdrawals (maximum charge) …………………………………………………………….....…………..................... $10.00

Over 75 withdrawals (maximum charge)…………………………………………………………......………......................... $12.50

 

HOT Line Checking

Check Printing Fee  ……………………………………………………………………………………………….......................Varies

Monthly Service Charge …………………………………………..………………………………………………...................... $5.00

 

GEM Checking

Check Printing Fee (specific styles) …………………………………………………………………………….......................... Free

Monthly Service Charge ……………………………………………....…………………………………………......................... $9.75

Account print out (one per quarter) ……………………………………………………………....………………........................ Free

Travelers Checks ………………………………………………………………………………….………………......................... No Fee

Stop Payment (one per quarter) …………………………………………………………………………………......................... No Fee

Check Copy (one per quarter) ………………………………………..………………………………………….......................... No Fee

 

 

                                 Miscellaneous Service Fees (all accounts)                                

 

 

Bill Payor Service ……………………………………………………………………………....…………..……............................ $5.95

Statement Copy ……………………………………………………………………………..……………….…….......................... $5.00

Check Copy ......................................................................................................................................................................... $3.00

Account Printout (per page) …………………………………………………………………….………..…….............................. $3.00   

Account Research ($30 per hour with a $15 minimum) ...................................................................................................... $30.00              

International Wire Trace ……………………………………………………………………….…………………........................... $25.00

International Wire (outgoing) ……………………………………………………………………………..……….......................... $60.00

International Wire (incoming) …………………………………………………………………...……..………….......................... $45.00

Domestic Wire (outgoing) ……………………………………………………………………...…...………………....................... $25.00

Domestic Wire (incoming) ……………………………………………………………………...…….……………......................... $10.00

Western Union (domestic) ……………………………………………………………………...….………………........................  $25.00

Collections (domestic) …………………………………………………………...………..……………………….......................... $15.00

Collections (international) …………………………………………………….…………………….……………............................ $20.00

Return Mail ………………………………………………………………………………………………….……….......................... $5.00

Bank Check (payable other than to member) …………………………………………………….....…...……............................ $5.00

Money Orders ………………………………………………………………………………………..…….………........................... $1.00

Check Cashing (Non HOTFCU) ……………………………………….......……….................................................................... 1% or $3 whichever is greater

Temporary Checks (price per check) …………………..………………………………………..………………............................ $1.00

Photo Copies …………………………………………………....……........................................................................................n/c 1st page; $.25 each additional page

Telephone Account Inquiry/Transfer (completd by HOTFCU Representative) …….....................………............................... $1.00

Tax Levy ……………………………………………………………………………………..……....………………........................... $50.00

Garnishment ……………………………………………………………………………………......………………............................ $50.00

Advance Pay …………………………………………………………………………………...…..………………............................. $29.50

FedEx ………………………………………………………………………………………..………………….................................... Actual Cost

Travelers Checks for 1 ………………………………………………………………....…………………………............................. 1%

Travelers Checks for 2 ……………………………………………………………..……………………………….............................1.5%       

Special Cash Orders over $10,000 ……………………………………………………………………….........................................1% of cost

Verification of Deposit by 3rd Party ……………………………………………………………………...…….................................... $3.00

Returned ACH (non-sufficient/uncollected funds) ..................................................................................................................... $30.00

Returned Check (non-sufficient/uncollected) ............................................................................................................................. $30.00

Other Party Checks Deposited Returned ................................................................................................................................... $10.00

Members Own Check Deposited Returned ................................................................................................................................ $30.00

Stop Payment ............................................................................................................................................................................. $10.00

CarFax Report ……………………………………………………………………...………………………………................................. $20.00

Skip Payment (per loan) ………………………………………………………...…………………………………................................. $25.00

Expedited Pay-Off on Real Estate (per request) ……………………………..…………………….......……..................................... $15.00

Print Amortization (per loan) …………………………………………………………………………..…………................................... $20.00

 

 

                                                   Debit/ATM Cards                                                             

 

Debit/ATM Replacement Card …………………………………………………………………………………….................................. $5.00

Debit/ATM Replacement or Retrieval of PIN ………......………………………………………………...………................................. $5.00

Expedited Debit Card …………………………………….………………………………………………...………….............................. $65.00

 

 

 

*The fees and percentages appearing in this Rate & Fee Schedule are accurate and effective for all accounts as of the date Indicated below. New or changes to existing fees are indicated in bold. 

Effective June 1, 2017.