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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.

Fee Schedule

Effective 2.5.19

Free Services  |  Checking & Savings  |  Cash Processing  |  VISA Debit & ATM Card  |  Miscellaneous  |  Draft and Collection Services  |  Safe Deposit Box Rentals

Free Services

24/7 Online Banking
24/7 Mobile Banking and App
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)
Point-of-Sale Transactions (ATM & VISA® Debit Card)
Transaction History Printout
Notary Service and Signature Guarantee

Checking & Savings Fees

Choice Checking $10 per month
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 Personal Checks (125 duplicate checks) $26 and up
Temporary Checks (pkg. of 10) $3
Non-Sufficient Funds (NSF) Check $34
Non-Sufficient Funds (NSF) ACH $34
Courtesy Pay ACH* $34
Courtesy Pay Check* $34
Courtesy Pay Debit* $34
Overdraft Transfer (from deposit account) $5
Re-post Overdraft $34
Stop Payment (lobby or Telephone Service Center) $34
Stop Payment (through Online Banking) $24
Returned Item (personal check) $25
Returned Item (other item) $15
Returned Statement Processing $5
Premier Perks** $5.95 per month

Cash Processing

Cash Processing Change Order: Outgoing Currency $.08 per strap
Cash Processing Change Order: Rolls of Coins $.08 per roll

VISA® Debit & ATM Card Fees

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

Web BillPay (Minimum of 1 payment during calendar month) FREE!
Web BillPay (Fewer than 1 payment during calendar month) $6.95
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
Research (per hour) $20
Legal Process (i.e. Levies, Garnishment) $50 + cost
Account Reconcilliation (per hour) $10
Statement Copy (per statement) $4
Cleared Check Copy (past 18 months of endorsement) $3
Overdrawn Debit $34
Savings Account Closure (within 90 days of open date) $10
Safe Deposit Box Drilling $175
Safe Deposit Box Key Replacement $65
Drive-thru Carrier $100
Coin Counting (self-service) 5% > $200.00

Draft & Collection Services

Incoming $2
Outgoing $2
International $2 plus costs

Safe Deposit Box Rentals (Annually)

3" X 5" $27
3" X 10" $40
5" X 5" $40
5" X 10" $63
10" X 10" $89

Pre-Paid VISA Card Fee Schedule (PDF)

*Available to qualifying members.
**Membership required. Must be at least 18 years of age. Value and savings based on member usage. Conditions and restrictions apply.
***Applies to accounts with balances less than $100.
This fee schedule sets forth certain fees and charges and is incorporated as part of your account agreement 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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