Town of Hempstead Employees Federal Credit Union


Rates & Fees Effective DateMay 1, 2024

Checking Accounts

Monthly Service FeeFREE
Per Check FeeFREE
Monthly Maintenance FeeFREE
Starter Checks - First 10FREE
Additional Starter or Temporary Checks (5)$5.00
Stop Payment Order - Checks, ACH$30.00
Photocopy of a Paid Check Under 12 Months$3.00
Photocopy of a Paid Check Over 12 Months$6.00
Faxed Copy of a Paid Check$5.00
Check/ACH Returned - Member Issued$30.00
Check Returned - Deposited Item$30.00
Overdraft Protection (Share/Loan Transfer) $2.00
Manual Processing/Clearing - Checks, ACH$10.00
Nonsufficient Funds for Preauthorization Withdrawal $30.00
Courtesy Pay Fee per item$25.00
Checking Activity Printout per month$2.00
Check Printing (Fee based Upon Style)VARIES

Bill Payment

Bill Payment and Presentment FREE
Copy of a Bill Payment Check$5.00
Verification of a Bill Payment $5.00
Stop Payment Order on a Bill Pay item$45.00
Nonsufficient Funds for Authorized Bill Pay$45.00

Money Market Accounts

Checks written under $250$10.00
In excess of six checks per month$10.00/check
Monthly below minimum fee (below $500)$5.00

Visa Accounts

Delinquent Payment Fee$35.00
Photocopy of Visa Sales Draft$20.00
Manual post of Visa Debit/Credit transaction $10.00
Visa Gift Card Purchase$5.00
Replace Lost Visa Card$10.00

ATM Transactions

Balance Inquiry $1.25
Withdrawals from TOHEFCU ATM machinesFREE
Replacement Card (Lost/Damaged)$10.00**

*Members receive five free withdrawals per calendar month.

**Initial replacement card is $10.00, any subsequent cards will be charged $20.00.

External Funds Transfer

Incoming Funds TransferStandardFREE
Incoming Funds TransferNext Day$10
Outgoing Funds TransferStandard $0 - $2,000$3
Outgoing Funds TransferStandard $2,001 - limit$5
Outgoing Funds TransferNext Day$10

Various Services

Online Banking FREE
Bill Payment FREE
Notary Public FREE
Tax Levy Processing$30.00
Restraining Notice Processing $30.00
Court Ordered Processing (Check Copies, etc.)$75.00 plus per item costs over 25 copies
Replacement of Lost Coupon Payment Books $5.00
Replacement Membership Card (Lost/Damaged)$5.00
Rush on any Plastic Card Order$75.00
Wire Transfer Fee (Outgoing)$35.00
Wire Transfer Fee (Incoming) $5.00
Incoming Book Transfer$20.00
Collection Item Processing$20.00
Collection for Deposited Canadian Item$10.00
Foreign Item Collection Fee$40.00
Photocopy/Fax (other than drafts) $5.00
Account Reconciliation (per hour - 1 hour minimum)$25.00/hour
Signature Verification$5.00
Signature Verification - Medallion Stamp Program$20.00
Outgoing IRA Trustee Transfer$25.00
Deposit Verifications (From Other Institutions)$10.00
Statement Copy/Account Balance Print Out (per month)$5.00
Holiday Club Withdrawal$5.00
Vacation Club Excessive Withdrawals (Over 3 per Year)$5.00
Abandoned Property Fee$50.00
HELOC check written for less than $500$10.00
Copy of Credit Union Official Checks$5.00
Stop Payment of Credit Union Official Check$30.00
Third Party Official Checks$5.00
Return of Deposited Check$30.00
Return of Deposited Check Drawn on Member's Account at Another Financial Institution$45.00