Georgia Heritage Federal Credit Union

Headquarters: Savannah, Georgia
Charter: Credit Union
Assets: $162.7M
Fed district: Atlanta

21 published fees; none has a market median to compare yet.

Source: its fee schedule, read Apr 20, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $4.95, the middle of its prices
Georgia Heritage Federal Credit Union: $2 to $7.95
Georgia Heritage Federal Credit Union: $2 to $7.95
U.S. median: no median
Overdraft (OD)
Georgia Heritage Federal Credit Union: $33
Georgia Heritage Federal Credit Union: $33
U.S. median: no median
NSF / Returned Item
Georgia Heritage Federal Credit Union: $33
Georgia Heritage Federal Credit Union: $33
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Apr 20, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Georgia: Banks and credit unions headquartered in Georgia that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Georgia Heritage Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Fee - Advantage Checking$7.95
per month
Monthly Service Fee - Eazy Checking$2
per month · FREE with Direct Deposit and e-statement, if not met then $2.00
Monthly Service Fee - Premium Checking$4.95
per month · FREE with minimum average daily balance of $4,000, if not met then $4.95
Early Account Closure Fee - if closed within 3 months of opening$10
Account Reconciliation/Research Fee$25
per item · per hour, minimum 1 hour
Account Reconciliation/Research Fee - per hour, minimum 1 hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Charge Off Processing Fee$25
per item
Payment Processing Fee - Telephone with Personal Representative$25
per item · Pre-Authorized Withdrawals from Non-GHFCU Savings/Checking Account or Debit Card
Payment Processing Fee - Web Initiated$4.95
per item · Pre-Authorized Withdrawals from Non-GHFCU Savings/Checking Account or Debit Card
Repossession Processing Fee$50
per item
Bad Address Fee - Returned Cards (ATM/Debit Cards)$15
Not compared: Per-occurrence charge, not monthly
per item
Bad Address Fee - Returned Mail$10
Not compared: Per-occurrence charge, not monthly
per item

Overdraft & NSF

Non-Sufficient Funds (NSF) Fee - PAID ATM/Debit Card - (Opt-In Required for ATM/ One-Time Debit Items)$33
one time
Non-Sufficient Funds (NSF) Fee - PAID Draft/ACH Items$33
Non-Sufficient Funds (NSF) Fee - UNPAID Draft/ACH Items$33

ATM & Card

ATM/Debit Card Replacement Fee$10
per item

Wire Transfers

Wire Transfer Fee - Outgoing Domestic$25
per item · per Wire
Wire Transfer Fee - Outgoing Domestic, per Wire$25
Wire Transfer Fee - Incoming Domestic$12
per item · Per Wire
Wire Transfer Fee - Incoming Domestic, per Wire$12
Wire Transfer Fee - Outgoing International$50
per item · per Wire
Wire Transfer Fee - Outgoing International, per Wire$50
per item
Wire Transfer Fee - Incoming International$35
per item · per Wire
Wire Transfer Fee - Incoming International, per Wire$35

Check Services

Official Check Fee$5
per item · per check
Official Check Fee - per check$5
per item
Stop Payment Fee$33
per item · Draft, ACH, or Official Check
Stop Payment Fee - Draft, ACH, or Official Check$33
Collection Item Fee (Incoming)$10
Collection Item Fee (Outgoing)$25
Check Copy Fee$3
per item

Digital & Electronic

Web or Phone Initiated Payment Return Fee$43
per item
BILL PAY Return Fee - Electronic$7
BILL PAY Return Fee - Paper Check Mailed$15
Bill Payment & Online/Mobile BankingNo charge
Not compared: Per-occurrence charge, not monthly
per item
 Bill Payment & Online/Mobile BankingNo charge

Account Services

Notary Services for MembersNo charge
per item
 Notary Services for MembersNo charge
10X10 Box Annual Fee$100
per year
3X10 Box Annual Fee$55
per year
5X10 Box Annual Fee$75
per year
Safe Deposit Box Fee - 10X10 Box$100
per year
Safe Deposit Box Fee - 3X10 Box$55
per year
Safe Deposit Box Fee - 3X5 Box$35
per year
Safe Deposit Box Fee - 5X10 Box$75
per year
Safe Deposit Box Key Replacement Fee$30
Not compared: Box drilling or key fee
per item
Safe Deposit Box Late Fee (Annual)$15
Not compared: Box drilling or key fee
per year · after 30 days delinquent
Levies, Garnishments, and Legal Proceedings Processing Fee$75
per item

Other Fees

Fax and Photocopy Service Fee - per page$1
Statement Copy Fee - per each copy$5
per item
Consumer Loan Processing fee$50
Quick Cash Loan Application Fee$35

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee - Advantage Checking	$7.95	per month	None
Monthly Service Fee - Eazy Checking	$2	per month	FREE with Direct Deposit and e-statement, if not met then $2.00
Monthly Service Fee - Premium Checking	$4.95	per month	FREE with minimum average daily balance of $4,000, if not met then $4.95
Early Account Closure Fee - if closed within 3 months of opening	$10	Not stated	None
Account Reconciliation/Research Fee	$25	per item	per hour, minimum 1 hour
Account Reconciliation/Research Fee - per hour, minimum 1 hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Charge Off Processing Fee	$25	per item	None
Payment Processing Fee - Telephone with Personal Representative	$25	per item	Pre-Authorized Withdrawals from Non-GHFCU Savings/Checking Account or Debit Card
Payment Processing Fee - Web Initiated	$4.95	per item	Pre-Authorized Withdrawals from Non-GHFCU Savings/Checking Account or Debit Card
Repossession Processing Fee	$50	per item	None
Bad Address Fee - Returned Cards (ATM/Debit Cards)	$15Not compared: Per-occurrence charge, not monthly	per item	None
Bad Address Fee - Returned Mail	$10Not compared: Per-occurrence charge, not monthly	per item	None
Overdraft & NSF
Non-Sufficient Funds (NSF) Fee - PAID ATM/Debit Card - (Opt-In Required for ATM/ One-Time Debit Items)	$33	one time	None
Non-Sufficient Funds (NSF) Fee - PAID Draft/ACH Items	$33	Not stated	None
Non-Sufficient Funds (NSF) Fee - UNPAID Draft/ACH Items	$33	Not stated	None
ATM & Card
ATM/Debit Card Replacement Fee	$10	per item	None
Wire Transfers
Wire Transfer Fee - Outgoing Domestic	$25	per item	per Wire
Wire Transfer Fee - Outgoing Domestic, per Wire	$25	Not stated	None
Wire Transfer Fee - Incoming Domestic	$12	per item	Per Wire
Wire Transfer Fee - Incoming Domestic, per Wire	$12	Not stated	None
Wire Transfer Fee - Outgoing International	$50	per item	per Wire
Wire Transfer Fee - Outgoing International, per Wire	$50	per item	None
Wire Transfer Fee - Incoming International	$35	per item	per Wire
Wire Transfer Fee - Incoming International, per Wire	$35	Not stated	None
Check Services
Official Check Fee	$5	per item	per check
Official Check Fee - per check	$5	per item	None
Stop Payment Fee	$33	per item	Draft, ACH, or Official Check
Stop Payment Fee - Draft, ACH, or Official Check	$33	Not stated	None
Collection Item Fee (Incoming)	$10	Not stated	None
Collection Item Fee (Outgoing)	$25	Not stated	None
Check Copy Fee	$3	per item	None
Digital & Electronic
Web or Phone Initiated Payment Return Fee	$43	per item	None
BILL PAY Return Fee - Electronic	$7	Not stated	None
BILL PAY Return Fee - Paper Check Mailed	$15	Not stated	None
Bill Payment & Online/Mobile Banking	No chargeNot compared: Per-occurrence charge, not monthly	per item	None
 Bill Payment & Online/Mobile Banking	No charge	Not stated	None
Account Services
Notary Services for Members	No charge	per item	None
 Notary Services for Members	No charge	Not stated	None
10X10 Box Annual Fee	$100	per year	None
3X10 Box Annual Fee	$55	per year	None
5X10 Box Annual Fee	$75	per year	None
Safe Deposit Box Fee - 10X10 Box	$100	per year	None
Safe Deposit Box Fee - 3X10 Box	$55	per year	None
Safe Deposit Box Fee - 3X5 Box	$35	per year	None
Safe Deposit Box Fee - 5X10 Box	$75	per year	None
Safe Deposit Box Key Replacement Fee	$30Not compared: Box drilling or key fee	per item	None
Safe Deposit Box Late Fee (Annual)	$15Not compared: Box drilling or key fee	per year	after 30 days delinquent
Levies, Garnishments, and Legal Proceedings Processing Fee	$75	per item	None
Other Fees
Fax and Photocopy Service Fee - per page	$1	Not stated	None
Statement Copy Fee - per each copy	$5	per item	None
Consumer Loan Processing fee	$50	Not stated	None
Quick Cash Loan Application Fee	$35	Not stated	None

Correct a fee source

Apr 20, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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