H E B Federal Credit Union

Headquarters: San Antonio, Texas
Charter: Credit Union
Assets: $218.2M
Fed district: Dallas

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

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

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

Monthly Maintenance
Classic Checking Account $5 · Premier Checking Account $6
Compared at $5.50, the middle of its prices
H E B Federal Credit Union: $5 to $6
H E B Federal Credit Union: $5 to $6
U.S. median: no median
Non-Network ATM
Compared at $2, the middle of its prices
H E B Federal Credit Union: $1.75 to $2.25
H E B Federal Credit Union: $1.75 to $2.25
U.S. median: no median
Stop Payment
H E B Federal Credit Union: $20
H E B Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas 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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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 H E B Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Classic Checking (Share Draft) Account monthly service charge$5
per month
Premier Checking (Share Draft) Account monthly service charge$6
per month
Quarterly Inactivity Fee$10
Not compared: Quarterly charge, not monthly
per quarter
Paper Periodic Statement Fee (per statement cycle)$4
per month

Overdraft & NSF

Overdraft Transfers (preauthorized from depository account or Line of Credit Account in increments of $25.00) per transfer$4
per item

ATM & Card

ATM Balance inquiry (per inquiry)$1.75
per item
ATM Withdrawal (per transaction at non-free H-E-B FCU ATM)$2.25
per transaction
Debit Card replacement (per card)$5
per item
MasterCard Foreign Transaction fee1%of the transaction
MasterCard Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction

Check Services

Money Orders (each)$1.25
per item
Stop Payment Orders (each)$20
per item

Other Fees

Basic Checking (Share Draft) checks – 9th and each additional check per statement cycle (each)$2

Fee	Amount	Basis	Note
Account Maintenance
Classic Checking (Share Draft) Account monthly service charge	$5	per month	None
Premier Checking (Share Draft) Account monthly service charge	$6	per month	None
Quarterly Inactivity Fee	$10Not compared: Quarterly charge, not monthly	per quarter	None
Paper Periodic Statement Fee (per statement cycle)	$4	per month	None
Overdraft & NSF
Overdraft Transfers (preauthorized from depository account or Line of Credit Account in increments of $25.00) per transfer	$4	per item	None
ATM & Card
ATM Balance inquiry (per inquiry)	$1.75	per item	None
ATM Withdrawal (per transaction at non-free H-E-B FCU ATM)	$2.25	per transaction	None
Debit Card replacement (per card)	$5	per item	None
MasterCard Foreign Transaction fee	1%of the transaction	Not stated	None
MasterCard Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Check Services
Money Orders (each)	$1.25	per item	None
Stop Payment Orders (each)	$20	per item	None
Other Fees
Basic Checking (Share Draft) checks – 9th and each additional check per statement cycle (each)	$2	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 4, 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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