Heritage Family Federal Credit Union Fees: Overdraft $30, NSF $30 (2026)

Overdraft & NSFVerified

Courtesy Pay$30Within the typical range ($25–$30 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=overdraft; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="Courtesy Pay | $30/Presentment" · Source
NSF Fee$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=nsf; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="NSF Fee | $30.00/Presentment" · Source
Overdraft Transfer From Shares$3Within the typical range ($2.38–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=od_protection_transfer; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="Overdraft Transfer From Shares | $3.00" · Source

ATM & CardVerified

Card Replacement Fee$6Within the typical range ($5–$10 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=card_replacement; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="Card Replacement Fee | $6.00/Card" · Source
Non-proprietary & Foreign ATM Transaction Fee$1Within the typical range ($1–$2.50 nationally)
$0.50 below the national median
per transaction · Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=atm_non_network; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="Non-proprietary & Foreign ATM Transaction Fee | $1.00/Transaction" · Source

Wire TransfersVerified

Wire Transfer Fee (Incoming)$10Within the typical range ($5–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=wire_domestic_incoming; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="Wire Transfer Fee (Incoming) | $10.00/Transfer" · Source
Wire Transfer Fee (Outgoing)$20Within the typical range ($20–$25 nationally)
$2.50 below the national median
Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=wire_domestic_outgoing; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="Wire Transfer Fee (Outgoing) | $20.00/Transfer" · Source

Check ServicesVerified

ACH Stop Payment Fee$30Within the typical range ($20–$30 nationally)
$3 above the national median
per item · Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=stop_payment; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="ACH Stop Payment Fee | $30.00/Presentment" · Source
Cashier's Check Fee$5Within the typical range ($3–$5.50 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=cashiers_check; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="Cashier's Check Fee | $5.00/Check" · Source
Share Draft Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=check_image; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="Share Draft Copy | $5.00/Copy" · Source
Stop Payment Fee$30Within the typical range ($20–$30 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=stop_payment; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="Stop Payment Fee | $30.00/Request" · Source

Cash & DepositVerified

Business Deposit Bags$10Within the typical range ($5–$20 nationally)
$3.50 below the national median
Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=night_deposit; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="Business Deposit Bags | $10 Each" · Source
Returned Deposit Presentment Fee$15Within the typical range ($9–$25 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=deposited_item_return; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="Returned Deposit Presentment Fee | $15.00/Presentment" · Source

Account ServicesVerified

10 x 10$135Above the typical range ($25–$75 nationally)
$92.50 above the national median
per year · Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=safe_deposit_box; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="10 x 10 | $135.00/Annually" · Source
3 x 10$55Within the typical range ($25–$75 nationally)
$12.50 above the national median
per year · Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=safe_deposit_box; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="3 x 10 | $55.00/Annually" · Source
3 x 5$35Within the typical range ($25–$75 nationally)
$7.50 below the national median
per year · Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=safe_deposit_box; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="3 x 5 | $35.00/Annually" · Source
5 x 10$80Above the typical range ($25–$75 nationally)
$37.50 above the national median
per year · Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=safe_deposit_box; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="5 x 10 | $80.00/Annually" · Source
5 x 5$50Within the typical range ($25–$75 nationally)
$7.50 above the national median
per year · Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=safe_deposit_box; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="5 x 5 | $50.00/Annually" · Source
Drilling of Boxes$225Above the typical range ($25–$75 nationally)
$182.50 above the national median
Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=safe_deposit_box; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="Drilling of Boxes | $225.00/Box Approximate Cost" · Source
Tax Levy$50Within the typical range ($30–$75 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=garnishment_levy; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="Tax Levy | $50.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation	$25Within the typical range ($17.50–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=account_research; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="Account Reconciliation \| $25.00/Hour Minimum charge of $10.00"	Source
Overdraft & NSFVerified
Courtesy Pay	$30Within the typical range ($25–$30 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=overdraft; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="Courtesy Pay \| $30/Presentment"	Source
NSF Fee	$30
ATM & CardVerified
Card Replacement Fee	$6Within the typical range ($5–$10 nationally)	$4 below the national median	—	Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=card_replacement; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="Card Replacement Fee \| $6.00/Card"	Source
Non-proprietary & Foreign ATM Transaction Fee	$1
Wire TransfersVerified
Wire Transfer Fee (Incoming)	$10Within the typical range ($5–$15 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=wire_domestic_incoming; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="Wire Transfer Fee (Incoming) \| $10.00/Transfer"	Source
Wire Transfer Fee (Outgoing)
Check ServicesVerified
ACH Stop Payment Fee	$30Within the typical range ($20–$30 nationally)	$3 above the national median	per item	Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=stop_payment; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="ACH Stop Payment Fee \| $30.00/Presentment"	Source
Cashier's Check Fee	$5
Digital & ElectronicVerified
Bill Pay Service	$0Within the typical range ($0–$10.46 nationally)	$4.95 below the national median	—	Knox read a free fee from Rosetta artifact #9761. canonical_hint=bill_pay; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="Bill Pay Service \| FREE"	Source
Cash & DepositVerified
Business Deposit Bags	$10Within the typical range ($5–$20 nationally)	$3.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=night_deposit; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="Business Deposit Bags \| $10 Each"	Source
Returned Deposit Presentment Fee	$15
Account ServicesVerified
10 x 10	$135Above the typical range ($25–$75 nationally)	$92.50 above the national median	per year	Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=safe_deposit_box; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="10 x 10 \| $135.00/Annually"	Source
3 x 10	$55
Other FeesVerified
Statement Copy Fee	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #9761. canonical_hint=document_reproduction; text_hash=764269f67c76178b00db5f2762dd62dac49e8b059b7595a88dc363ba56d13490; excerpt="Statement Copy Fee \| $5.00/Statement"	Source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$869.8M

Total deposits

$736.1M

Service charge income (year to date)

$4.1M

Fee income ratio

13.0%

Return on assets

1.00%

Heritage Family Federal Credit Union

Published fees

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How the headline fees compare

Size and fee revenue

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings