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Rates & Fee Schedules

Providing value to our members is a top priority at United Heritage. And to us, offering low rates and high yields is part of that value. Whether you’re looking for low-cost money management options or loan rates, see how much you can save when you make UHCU your financial partner.

Business Fee Schedule

Effective 2.5.19

Free Services  |  Business Checking & Savings  |  Draft & Collection Services  |  Cash Processing  |  Business VISA® Debit Card  |  Miscellaneous 

Free Services

24/7 Online Banking
24/7 IN-TouchSM Phone Banking
ATM Transactions (United Heritage or Austin ATM Alliance machines)
Telephone Service Center
Cleared Check Copy (endorsed within last 18 months)
Transaction History Printout
Notary Service and Signature Guarantee

Business Checking & Savings Fees

Basic Business Checking: Below $1,000 minimum $6
Basic Business Checking: Over 50 debits $.25 per debit
Basic Business Checking: Over 125 deposits $.15 per deposit
Classic Business Checking: Below $5,000 minimum $10
Classic Business Checking: Over 200 debits $.25 per debit
Classic Business Checking: Over 200 deposits $.15 per deposit
Analysis Business Checking: Monthly fee $12.50
Analysis Business Checking: Debit $.10 per debit
Analysis Business Checking: Deposit $.12 per deposit
VIP Money Market (below $2,500 minimum) $10 per month
VIP Money Market (clear more than three (3) VIP Money Market checks per month) $1 per check
Printed Business Checks (packages available) $65 and up
Temporary Checks (pkg. of 10)* $3
ACH Origination $3
Overdraft Transfer (from deposit account) $5
Re-post Overdraft $34
Stop Payment (lobby or Telephone Service Center) $34
Stop Payment (through Online Banking) $24
Non-Sufficient Funds (NSF) Check $34
Non-Sufficient Funds (NSF) ACH $34
Courtesy Pay - ACH** $34
Courtesy Pay - Check** $34
Courtesy Pay - Debit** $34
Returned Item (business check) $25
Returned Item (other item) $15
Returned Statement Processing $5

Draft and Collection Services

Incoming $2
Outgoing $2
International $2 plus costs

Cash Processing

Bulk Coin Deposits: Full Fed Bag 5% > $200.00
Bulk Coin Deposits: Mixed denomination/partial bag 5% > $200.00
Change Orders: Outgoing Currency $.08 per strap
Change Orders: Rolls of Coins $.08 per roll
Deposit Bags: Locked zipper bags $15 per bag
Deposit Bags: Zipper bags $2.50 per bag
Deposit Bags: Disposable bags $.10/ea-$5 bulk
Branch/Night Drop Deposits: Cash deposited (after first $10,000) $.10 per $1,000
Deposit Correction Fee $.20 per item

Business VISA® Debit Card

Business VISA® Debit Card(s) (new & reissues) $5
Card Replacement $5
Debit Card Rush Delivery $100
ATM Transaction (non-United Heritage or Austin ATM Alliance machine) $1

Miscellaneous Fees

Official Check (each) $3
Official Check (non-member) $10
Money Order (each) $1
Domestic Wire Transfer (outgoing) $20
Domestic & International Wire Transfer (incoming) $4
Check by Phone $7.50
Check Cashing 1% of check; $2 minimum***
Western Union® Transfer $9.95 and up
Legal Process (i.e. Levies, Garnishment) $50 + cost
Research (per hour) $20
Account Reconciliation (per hour) $10
Statement Copy (per statement) $4
Cleared Check Copy (past 18 months of endorsement) $3
Overdrawn Debit $34
Business Savings Account Closure (within 90 days of open date) $20
Drive-thru Carrier $100
Coin Counting (self-service) 5% > $200.00

Pre-Paid VISA Card Fee Schedule (PDF)

*Not available on Business Savings Accounts.
**Available to qualifying members.
***Applies to accounts with balances less than $100.
Debits: Withdrawal by Draft, Credit Card, Debit Card, ACH, POS, ATM or check.
Deposits: Funds addition by ACH, Payroll, Check, Cash or Bulk Deposits.
Bulk Deposits: Consisting of multiple checks, each check within the deposit is an 'item.'
Earnings Credit: Based on the 90 Day T-Bill applied to the average/investable available balance of qualified business checking accounts.
This fee schedule sets forth certain fees and charges and is incorporated as part of your account with United Heritage. Any fees or charges assessed to us for an extra service or special handling of your account will be passed on to you. All fees are assessed at the time of service and deducted from your account. Fees are subject to change at any time.
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