Checking

Welcome to H&H Federal Credit Union!

lllll

We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Last modified: 09/02/10

Checking Accounts

SecureCode Re-Order Checks Online Fee Schedule

There are three types of accounts to choose from. Which would best suit your needs?

Checking Accounts

Type of Account	Rate	Annual Percentage Yield (APY)	Minimum Balance Requirements
Bronze Account	Non-Interest Bearing		None
Silver Account¹**	0.50%	0.50	$500.00
Gold Account¹**	0.75%	0.75	$2,500.00

¹Subject to $5.00 penalty for falling below minimum balance.

**Dividends figured daily and compounded monthly.

**Rates effective 10-01-09 and are subject to change without notification.

For a lost or stolen Check Card, please call 800-554-8969

Protect your MasterCard Debit Card by registering with MasterCard Secure Card

Fees are current as of 08-24-2010

Silver Checking Account Fees
Service Charge	$5.00/Month if minimum Average Daily Balance is not met
Gold Checking Account Fees
Service Charge	$5.00/Month if minimum Average Daily Balance is not met
All Checking Account Fees
Overdraft Fee	$1.00/Item Applicable only after three (3) transfers per month
NSF Fee	$20.00/Item
Stop Payment Fee	$10.00/Request
Other Service Fees
Closed Account Fee	$25.00 This fee applies to accounts closed within 90 days of opening
Wire Transfer Fee (Outgoing)	$8.00/Transfer
International Wire Fee (Outgoing)	$30.00/Transfer
MasterCard Pay by Phone	$5.00 (This is if you call MasterCard directly to pay. If you call the credit union or pay at GoToMyCard.com, there is no fee)
Account Research	$15.00/Hour ($15.00 minimum charge)
MasterCard Check Card Replacement Fee	$5.00 (We reserve the right to charge this fee at any time for replacement of lost or damaged cards)
MasterCard PIN Replacement Fee	$5.00 (We reserve the right to charge this fee at any time for replacement PINs)
Photocopy Fee	$0.10/Copy
Fax (outgoing)	$0.25/Faxed Page
MasterCard Gift Cards	purchase fee of up to $6.95 for any denomination, a monthly inactivity fee of $2.95 after 12 months of inactivity, and a $5.00 for lost/stolen cards.