18 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 3, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Second Chance Checking
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from Heritage South Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per hour · Research and Balancing $15.00 per hour
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Second Chance Checking Monthly Service Charge | $10 | per month | None |
| Account Closure Fee (closed within 90 days) | $25 | Not stated | None |
| Dormancy Fee (defined as no activity for 24 months with balances <$1,000) | $5 | per month | None |
| Inactivity Fee (defined as no activity for 6 months on any single share) | $5 | per month | None |
| Research and Balancing | $15Not compared: Charged per hour; comparison unavailable | per hour | Research and Balancing $15.00 per hour |
| Return Mail Fee | $3 | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee - may be imposed in connection with checks, in person withdrawals, ATM withdrawals, or by other electronic | $28 | Not stated | None |
| Return Check Fee | $28 | Not stated | None |
ATM & Card | |||
| ATM Balance Inquiry Fee | $0.85 | per item | None |
| ATM inquiries | $0.85 | Not stated | None |
| Debit/Credit Card Replacement | $5 | Not stated | None |
Check Services | |||
| Money Order Service Charge | $5 | per item | None |
| Stop Payment Request | $28 | Not stated | None |
| Check Cashing Fee | 5% | Not stated | None |
| Check Cashing Fee (audience not stated, treated as personal) | 5% | Not stated | None |
| Copy of Check Request | $1.50 | per item | None |
Digital & Electronic | |||
| Bill Pay Inactivity Fee (inactive for 3 months) | $7 | per month | None |
| Online/ Mobile Banking, Phone Teller, Online Bill Pay | No charge | Not stated | None |
Cash & Deposit | |||
| Return Deposit Item | $3 | Not stated | None |
Account Services | |||
| Fee replacement for safe deposit box key: Actual Cost / approx | $20Not compared: Box drilling or key fee | Not stated | None |
| Fee to drill safe deposit box: Actual Cost / approx | $175Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10x10 (audience not stated, treated as personal) | $100 | per year | None |
| Safe Deposit Box 3x10 (audience not stated, treated as personal) | $30 | per year | None |
| Safe Deposit Box 5x10 (audience not stated, treated as personal) | $50 | per year | None |
| Safe Deposit Box 5x5 (audience not stated, treated as personal) | $25 | per year | None |
| Subpoena/Levy/Garnishment | $35 | per item | None |
Lending Fees | |||
| Loan Late Charge | $5 | Not stated | None |
| VISA Late Fee | $25 | Not stated | None |
Gift & Prepaid Cards | |||
| Reloadable Debit Card | $5 | Not stated | None |
| VISA Gift Card | $5 | Not stated | None |
Other Fees | |||
| Copy of Statement | $5Not compared: Charged per statement; comparison unavailable | per statement | Copy of Statement $5.00 per statement |
| Copy/Fax Fee | $1Not compared: Charged per page; comparison unavailable | per page | Copy/Fax Fee $1.00 per page |
| Mortgage Loan Application Fee | $350 | 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
Nov 3, 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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