FDIC: FDIC-Insured - Backed by the full faith and credit of the U.S. Government
FDIC: FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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DEPOSIT ACCOUNT FEES

Stay Informed to Avoid Fees

 

Account fees as of August 1, 2024

All fees and service charges are subject to change. The following is our schedule of fees* for banking services. These are for elective services and may be assessed against your account should you use these services.
Fee Schedule Fee
Account closed within 90 days $25
Account research/reconciliation (per hour) $30
Debit card & ATM fees 
     Heritage Bank ATM fee
     ATM transaction fee (non-Heritage Bank ATM**)
     Debit card cash advance fee
     Foreign exchange fee***
 
No charge
$2.50
$2.50
Up to 1% of transaction amount in US Dollars
ATM/debit card replacement $10
Bank check $7
Collection item - outgoing/incoming $25
Copy of cancelled check (first 5 free) $2.50
Counter checks (first sheet of 4 free) (each) $1
Dormant account fee (monthly)
$10
Foreign currency:
     Sell
     Purchase
 
$10
$10
Foreign drafts $30
Garnishment/levies $100
Health Savings Account setup fee $10
ICS sweep maintenance fee (monthly) $100
ICS non-sweep maintenance fee (monthly) $25/account
IRA transfer or closure
$30
Paper statement fee (monthly)**** $3
Paper statement with check images (monthly)**** $5
Purchase rolled coin (each) $.05
Purchase currency (per $100) $.05
Returned deposited item $12
Special statement cutoff or duplicate $4
Stop payment $34
Undeliverable mail fee $5
Wire transfer
     Domestic:     Outgoing
                           Incoming
     Foreign:        Outgoing 
                           Incoming
 
$30
$15
$50
$20
Insufficient Funds/Overdraft Fee
Insufficient funds/overdraft (each)*****    
$34
 
*Fees may vary, depending upon your type of account.
**Heritage Bank ATM includes transactions at MoneyPass ATM network ATMs.
***Visa charges an International Service Assessment (ISA) fee up to 1% of the total transaction to purchase goods or services in a foreign currency or in US Dollars with a foreign merchant (a "Foreign Transaction"). Foreign Transactions include internet transactions made in the US but with a merchant who processes the transaction in a foreign country. This is not a Heritage Bank fee.
****Not applicable to all accounts; consult your Truth in Savings disclosure.
*****There is a limit of 6 insufficient funds/overdraft fees per day. Overdrafts may be created by checks issued by you in person, ATM, ACH or other electronic withdrawals authorized by you, or published fees or charges for bank products and services.