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Heartland Area FCU
6111 N. 72nd Street
Omaha, NE 68134-2157
Toll Free 1-866-314-2328
Phone (402) 571-8444
Fax (402) 571-0462

Fee Schedule (Effective as of 8-1-09)

Savings Account Fees:

• Share Savings Account Withdrawal fee: $1.10 per withdrawal, If more than two (2) withdrawals per month. Members 50 and over will be exempt.
• Second Share Savings Account Withdrawal fee: $1.10 per withdrawal, If more than two (2) withdrawals per month. Members
  50 and over will be exempt.
• IRA Account Service fee: $3.50 initial fee.
• IRA Account Annual Maintenance fee: $8.50
• IRA Closing fee: $5.00

Checking Account Fees:

• Overdraft fee: $25.00 per item
• NSF fee: $25.00 per item
• Return Item fee: $25.00 per item
• Stop Payment fee: $25.00 per request (checks or ACH)
• Check Printing fee: Prices may very depending upon style
• Members 50 and Older: Free checks (style selected by credit union)
• Copy of Check fee: $2.00 per copy
• Debit Card Loan Advance fee: $5.00 per day
• Checking Loan Advance fee: $5.00 per day

Other Service Fees (applicable to all accounts)

• Garnishment/Levy fee: $25.00 per item
• PIN Replacement fee: $3.00
• Bad Address fee: $2.00 per item
• Account Research fee: $20.00 per hour
• Statement Copy fee: $1.00 per page
• Deposited Item Return fee: $20.00 per item
• Wire Transfer (outgoing) fee:$15.00 per transfer
• Wire Transfer (incoming) fee: $8.00 per transfer
• Certified Check fee: $5.00 per check
• Money Order fee: $1.00 per money order
• Travelers Checks fee: $.50 per $100.00
• Travelers Checks for Two fee: $1.00 per per $100.00
• Fax Charge (account related) fee: $2.00 first page, $1.00 additional pages
• Counter Check fee:$3.00/if Payable to a Third Party
• Check Cashing fee: $3.00 if member has savings only and balance is less than $50.
• Dormant Account fee: Checking accounts with a balance of less than $120.00 that have been dormant for 6 months will be assessed a $5.00 monthly fee. Primary Share Accounts that have been dormant for 6 months and have a balance of less than $50.00 will be charged a Dormant Account Fee of $5.00 per month

Electronic Funds Transfer Fees*

• ATM Cash Withdrawal fee: No Charge/if ATM is owned by the credit union or at Cash Corner ATM's
• ATM Cash Withdrawal fee: $2.00/if ATM's not owned by the credit union
• Inquiry Fee at ATM's not owned by Credit Union or at Cash Corner ATMs $1.00
• Debit Card Cash Withdrawal fee: $2.00/if ATM's not owned by the credit union
• Card Replacement fee: $5.00/Replacement
• ACH Overdraft fee: $25.00/Item
• Debit Card Overdraft fee: $25.00/Item
• ATM Overdraft fee: $25.00/Item
• Debit Card Loan Advance fee: $5.00/Day

*When you use an ATM not owned by us, you may by charged a fee by the ATM operator or any network used to complete the transfer (and you may be charged a fee for any balance inquiry).

The rates and fees appearing in this schedule are accurate and effective for accounts as of the Effective Date indicated on the Truth-In-Savings Disclosure. If you have any questions or require current rate information on your accounts, please call the Credit Union.

Your savings Federally insured to at least $250,000
and backed by the full faith and credit of the United States Government.
National Credit Union Administration,
a U.S. Government Agency.

We do business in accordance with the
Federal Fair Housing Law and the
Equal Credit Opportunity Act.