Transactional Fees updated as of January 9, 2023

Fee DescriptionFee
Account Balancing Assistance$25.00 per hour
Account Printout FeeFREE
Account Research (half hour minimum)$30.00 per hour
Account TransfersFREE
ATM/Shared Branch Locator AppFREE
ATM Transactions (Through Allpoint and CULIANCE ATM)
ATM Transactions (outside network)
Cash Advance (on Debit Card)
On HTFFFCU Credit Card
Non-member cash advance up to $1000
see disclosure
Card - Debit (Some restrictions apply)FREE
Card - Debit & Credit Express Ship$25.00
Card - Debit Card/Credit Card/ATM Card Replacement$5.00
Card - Credit Card Payments (via online/mobile banking)FREE
Cashier's Check (payable to 3rd party)
Cashier's Check (if 258 Club member)
FREE (up to 5/month)
Check CashingFREE
Check Copies - 1 to 50 copies
Check Copies - 51+ copies
Check Copies (if 258 Club member)
$3.00 per copy
$1.00 per copy
FREE (up to 5/month
Check Order - Deluxe
Check Order - Deluxe - New Account First Order (Custom Firefighter Only)
Check Order (if 258 Club member)
FREE (up to 4 boxes/year)
Coin Counter ServicesFREE or 5% of the amount if over $100
Collection Item$20.00
Debit Card OverdraftSee fees here
Dividend Bearing Checking (no minimum balance)FREE
Document Copy$3.00 per item
Early Withdrawal Penalty on Term Share Certificatesee disclosure
First 120 Checks (Custom firefighter checks only)FREE
Garnishments/Levies$50.00 + attorney fees
Inactive Account (no activity for one year)
(Doesn't apply to memberships with certificates)
$10.00 per month
Incoming Wire TransferFREE
List of Cleared ChecksFREE
Lower My Payment OptionProgram Fee $775.00
Medallion StampFREE
Membership Share (par value)$5.00
Money Order (if 258 Club member)$2.00($0.50)
Non-Sufficient Funds per presentment/Overdraft Tolerance.
An NSF charge is imposed each time an item is presented against insufficient funds. The payee (or the payee’s institution) may re-present a previously returned item (check or ACH debit). Each presentment against insufficient funds will result in a separate charge.
Notary Services (members only)FREE
Outgoing Wire Transfer (Domestic Only)$20.00
Overdraft Protection (automatic transfer from Savings or Line of Credit account providing funds are available)First five (5) FREE, then $1.00
Overdraft Tolerance (For Checks, ACH and reoccurring Debit Card Transactions)$28.00
Per Check ChargeFREE
Phone InquiriesFREE
Phone Payments (with Debit or Credit Cards)$10.00
Premium Checking$4.95 per month
Return Deposit Item - If drawee is 3rd party
- If a drawee is a member
Return Mail/ Bad Address$5.00
Savings Bond (redeem only)FREE
Statements (current copy)
Statement (Mailed periodic statements) - 258 Club & Members 18 years of age and under exempt
Statements Copies
$3.00 per item
Temporary Checks (8)$5.00
Telephone InquiriesFREE
Verification of deposit or mortgage$10.00

eService Fees

Fee DescriptionFee
Account Alert Service (Through HTFFFCU Online)FREE
Bill Pay through HTFFFCU Online
Next Business Day Rush Payment
2nd Business Day Check Rush Payment
2nd Business Day Electronic Rush Payment
Card AlertsFREE
HTFFFCU Mobile (Mobile Banking)FREE
HTFFFCU Online (Online Banking)FREE
Online Check CopiesFREE
Online Check OrderingFREE
Online Loan ApplicationFREE
(Personal Automated Telephone Teller)

Safe Deposit Box Costs

To view information about our safe deposit boxes, click here.

Other Fees

Fee DescriptionFees
Consumer Loan Late PaymentsIf any payment is past due for a period of more than ten (10)
days you will be charged a late fee of $29.
Second Chance Checking Account$20.00 per month and a reduced fee of $10.00 per month with direct deposit of $250.00 or more to that checking share.
Real Estate Loan Late PaymentsIf any payment is past due for a period of time more than
fifteen (15) days you will be charged a late fee of five percent (5%)
of the monthly principal and interest payment.
Credit Card Late Charge$29.00 flat fee
Credit Card Returned Payments$28.00

Other Product Costs

Fee DescriptionFee
Guaranteed Auto Protection (GAP)Personal vehicles &
Commercial vehicles: $589