Tiered Services
This program gives you points for using certain services. We have two categories for our members, Basic and Premium. Fees you are charged depends on your category. To take advantage of all Premium member privileges and rewards you must have at least 300 points and an aggregate balance of $10,000 in deposits & loans.UNLESS YOU ARE UNDER 18 OR OVER 60. THESE MEMBERS ARE NOT CHARGED ANY FEES. Please review the schedules below to determine what your status is;
If you have 300 points and $10,000 aggregate balance or more of savings and loans you will not have any fees except for wire fees, nsf fees, on-line bill paying, replace cards or PINs & stop pay fees.
If you have 300 points and less than $10,000 aggregate balance you will have a monthly fee of $10 plus any wire fees, nsf fees, on-line bill paying fee & stop pay fees.
If you do not have 300 points but have the aggregate balance of $10,000 you will be charged the same fees as a basic member
ANY MEMBER WITH AGGREGATE BALANCES OF LESS THAN $100 WILL BE CHARGED A FEE OF $3 EACH MONTH IN ADDITION TO ANY FEES INCURRED BY USING SERVICES.
There is a fee of $5 for each stop payment entered. You cannot place a stop payment on a check that has posted. Should a stop payment check come through you will be charged $20 for each one. Stop pays expire in 6 months. If you lose control of your check book close your account immediately and have us open a new one with different numbers.
TO VIEW HOW POINTS ARE AWARDED Click-Here TO GO TO THE FOLLOWING PAGE.
REWARDS BASED ON POWER LEVEL
As your Power Level increases, so do the rewards. This chart shows what fees will be charged based on your Power Level.
| SERVICE | BASIC | PREMIUM | ||
|---|---|---|---|---|
| HOME BANKING (Computer or Audio) | ||||
| # free logins | 10 | no limit | ||
| Fee for each excess | $0.15 | free | ||
| ATM/DEBIT CARDTransactions | ||||
| # free trans. | 28 | no limit | ||
| Fee for each excess | $.50 | free | ||
| Bill Payment | ||||
Monthly fee Sign up but don't use | 3.50 2.50 |
3.50 2.50 | ||
| FIRST 3 MONTHS OF USING | FREE | FREE | ||
Cashier's Checks |
$0.50 | free | ||
| CHECKS RETURNED EACH | $20.00 | $20.00 | ||
| Statement Copies for each month | ||||
| HCU Accounts | $5.00 | free | ||
| Visa Credit Card | $5.00 | free | ||
| Overdraft Transfers (Calculated at time of transaction) | ||||
| From Savings after 6 free | $2.00 | free | ||
| From LOC | $2.00 | free | ||
| Check Copies (each) | $2.00 | free | ||
| Replace Cards or PIN | ||||
| Visa Card | $7.50 | $7.50 | ||
| Debit Card | $7.50 | $7.50 | ||
| Replace PIN only | $5.00 | $5.00 | ||
| Wire Transfers | ||||
| Domestic | $15.00 | $15.00 | ||
| International | $45.00 | $45.00 | ||
| Incorrect personal information | ||||
| Address | $2.00 | free | ||
| Telephone | $2.00 | free | ||
| Transaction History | $5.00 | free | ||
| Photocopies (each page, B&W only) |
$0.10 | free | ||
