Houston Federal Credit Union’s super low rates and minimal or non-existent fees help our members thrive and reach their financial goals.

Fee Schedule

View PDF Version of Fee Schedule

Effective September 3, 2019

Checking Account Fees
Cashier’s Check (One free per day if you have a checking account at HFCU) $3.00
Check printing (fee based on style and quantity ordered)
Copy of Check eTeller (Online Banking) Free
eCheck Bill Payment Service (Must use at least once every 90 days or a $3.00 per month fee) Free
Bill Payment Charitable Donation
Bill Payment Gift Check
Bill Payment Overnight Delivery
Bill Payment Second Day Delivery
Bill Payment Electronic Rush Payment
Savings/Money Market (excess withdrawal fee)
$17.00 (Charged for each debit transaction in excess of six during a statement cycle)
Monthly Minimum Balance Fee†
Flexible Checking
Club/Organization Checking
(dividend or non dividend earning)
Stop payments (per item)
Online stop payment applies to all checking accounts
(through eTeller)
myChecking (ages 18 to 25)**
All other checking accounts
Temporary Check (per check) $1.00
Unreadable MICR Item (per item) $1.00
**myChecking has a maximum of 4 NSF or Overdraft fees (or combination) per day. Maximum charge of $44.00 per day.

***Fees are charged if you do not have a sufficient available balance on your account. The fee will be charged whether the item is paid or it is returned unpaid. Items can be presented multiple times and will be charged per presentation. Nonsufficient funds and Overdraft fees imposed on transactions by check, in-person withdrawal, ATM withdrawal, or any other electronic means.

†A monthly fee of $6.00 will be assessed if the daily balance of at least $100 is not maintained. Fees may reduce earnings.