Disclosures

Business Fee Schedule

Effective December 2012

Membership Fees

Membership application No charge
Opening fee None
Monthly service charge None
Close within 6 months of opening $25
Dormant accounts (no activity within 12 months):  
Dormant monthly fee: $5
Negative accounts after 7 calendar days $2 per day

Checking Fees

Monthly service charge: on balances of $1,000 or more

($5.00 when balances drop below $1,000 within the month).
No charge
Monthly Transaction Fee: for 75 items (or less) per billing cycle

($.25 per item that exceeds the 75 item per billing cycle limt).
No charge
Overdraft transfer notification $1.50
“Paid” Non-Sufficient Funds (NSF) checks: Per check, up to $500 negative balance
This service will only be available to members who meet eligibility requirements.
$30
Returned Non-Sufficient Funds (NSF) checks $30
 
Returned / Deposited Item:
Written on themselves $30
Received from non-member $10
Received from another member No charge
 
Stop payment order:
Single check or series of checks $30
Check/Debit card POS stop order $30
 
Photocopy or off-site inquiry per copy $2
Foreign check currency conversions $1

Electronic Funds Transfers Fees

Including automated funds transfers and vendor payments set up through the Federal Reserve’s Automated Clearing House (ACH)

Member requested ACH stop/return
- Requires an affidavit signed by member
- Applied each time a vendor withdrawal is attempted
$30
ACH Non-sufficient funds (NSF):
Overdraft transfer notification $1.50
NSF ACH not covered by transfer $30

Wire Transfer Fees

Incoming wire No Charge
Domestic outgoing wire $15

Business Accounts/Checking

See separate Business Account Fee Schedule

Online BillPay Services

Standard Bill-pay Service No Charge
Account-to-Account Transfer (w-other institutions) $1.00
Same Day Bill Pay $9.95
Overnight Checks $15.95

Mobile Banking Services

First 100 texts per month No Charge
After 100 texts per month $.05 each

ATM / Debit Card Fees

- Highmark subscribes to the CO-OP & MoneyPass ATM system.

Application and initial order No Charge
Reorder or Lost Card $5
Foreign / International Transaction Fee 1% of each transaction in US Dollars
 
Fee per ATM transaction, CO-OP & MoneyPass Network at participating locations:
First eight per month No Charge
Over eight per month $2.00 each
Use of ATM outside of Network $2.00 each
 
Fee per Domestic Debit transaction None
Monthly service charge None
Overdraft transfer notification $1.50
 
Non-sufficient funds (NSF) withdrawals*
Up to $500 negative balance $30 per transaction
Over $500 negative balance Revocation of card plus $30 per transaction

*This service is subject to eligibility requirements.

VISA® Credit Card

Foreign / International Transaction fee 1% of each transaction in US dollars
Document Copy Fee $5
Rush Fee $30
Emergency Card Replacement Fee $30
Card Replacement Fee $5

Cashier’s Checks and Money Orders

Credit Union Checks $2
Money Orders $1
Stop Payment on lost or stolen CU checks
- Requires an affidavit signed by member
$30
Stale-dated credit union checks $15 per month

Other service fees

CPI (Collateral Protection Insurance) Processing Fee $35
Counter Checks (Qty of 8) $5
Address Correction/Return Mail/No Address $5 quarterly
Early withdrawal (Summer Savings) $25
Early withdrawal (Christmas Club) $5
Account research $15/hour ($5 minimum)
Checkbook/account reconciliation $15/hour ($5 minimum)
Account statement printout $1 per sheet
Notary service: members only
- Limited to one (1) per day
No Charge
Payment-by-phone checks for credit cards No Charge
All other payment-by-phone checks $10
Loan payment deferral $30
NSF Return Credit Card Payment $25
NSF Return Loan Payment $30
Title handling fee/perfection of title $10
Photo copies $.10 per page
Incoming FAX $1 per page
Outgoing FAX (non international faxes): First page $1
Each additional page $.50
Regulation D limits to electronic transfers
In excess of six
$5
Incoming Collection Item $10
Outgoing Collection Item $10
Live telephone transfers/inquiries $2
Written Verifications of deposit $5
Compliance with Garnishment/Levy/Legal order $15

Fee Schedule

Effective May 1 2014

Membership Fees

Membership application No charge
Opening fee None
Monthly service charge None
Close within 6 months of opening $25
Dormant accounts (no activity within 12 months):  
Dormant monthly fee: $5
Negative accounts after 7 calendar days $2 per day

Checking Fees

Monthly service charge None
Overdraft transfer notification $1.50
“Paid” Non-Sufficient Funds (NSF) checks: Per check, up to $500 negative balance
This service will only be available to members who meet eligibility requirements.
$30
Returned Non-Sufficient Funds (NSF) checks $30
 
Returned / Deposited Item:
Written on themselves $30
Received from non-member $10
Received from another member No charge
 
Stop payment order:
Single check or series of checks $30
Check/Debit card POS stop order $30
 
Photocopy or off-site inquiry per copy $2
Foreign check currency conversions $1

Electronic Funds Transfers Fees

Including automated funds transfers and vendor payments set up through the Federal Reserve’s Automated Clearing House (ACH)

Member requested ACH stop/return
- Requires an affidavit signed by member
- Applied each time a vendor withdrawal is attempted
$30
ACH Non-sufficient funds (NSF):
Overdraft transfer notification $1.50
NSF ACH not covered by transfer $30

Wire Transfer Fees

Incoming wire No Charge
Domestic outgoing wire $15

Business Accounts/Checking

See separate Business Account Fee Schedule

Online BillPay Services

Standard Bill-pay Service No Charge
Account-to-Account Transfer (w-other institutions) $1.00
Same Day Bill Pay $9.95
Overnight Checks $15.95

Mobile Banking Services

First 100 texts per month No Charge
After 100 texts per month $.05 each

ATM / Debit Card Fees

- Highmark subscribes to the CO-OP & MoneyPass ATM system.

Application and initial order No Charge
Reorder or Lost Card $5
Foreign / International Transaction Fee 1% of each transaction in US Dollars
 
Fee per ATM transaction, CO-OP & MoneyPass Network at participating locations:
First eight per month No Charge
Over eight per month $2.00 each
Use of ATM outside of Network $2.00 each
 
Fee per Domestic Debit transaction None
Monthly service charge None
Overdraft transfer notification $1.50
 
Non-sufficient funds (NSF) withdrawals*
Up to $500 negative balance $30 per transaction
Over $500 negative balance Revocation of card plus $30 per transaction

*This service is subject to eligibility requirements.

VISA® Credit Card

Foreign / International Transaction fee 1% of each transaction in US dollars
Document Copy Fee $5
Rush Fee $30
Emergency Card Replacement Fee $30
Card Replacement Fee $5

Cashier’s Checks and Money Orders

Credit Union Checks $5
Money Orders $3
Stop Payment on lost or stolen CU checks
- Requires an affidavit signed by member
$30
Stale-dated credit union checks $15 per month

Other service fees

CPI (Collateral Protection Insurance) Processing Fee $35
Counter Checks (Qty of 8) $5
Address Correction/Return Mail/No Address $5 quarterly
Early withdrawal (Summer Savings) $25
Early withdrawal (Christmas Club) $5
Account research $20/hour ($10 minimum)
Checkbook/account reconciliation $20/hour ($10 minimum)
Account statement printout $1 per sheet
Notary service: members only
- Limited to one (1) per day
No Charge
Payment-by-phone checks for credit cards No Charge
All other payment-by-phone checks $15
Loan payment deferral $30
NSF Return Credit Card Payment $30
NSF Return Loan Payment $30
Title handling fee/perfection of title $10
Photo copies $.25 per page
Incoming FAX $1 per page
Outgoing FAX (non international faxes): First page $1
Each additional page $.50
Check cashing per transaction
(No fee if under age 19 or have $200 on deposit or $200 loan balance)
$5
Regulation D limits to electronic transfers
In excess of six
$5
Incoming Collection Item $15
Outgoing Collection Item $15
Live telephone transfers/inquiries $2
Written Verifications of deposit $5
Compliance with Garnishment/Levy/Legal order $25
IRA unqualified withdrawal (under age 59½) $10
Mortgage Payoff Statement $10
Dormant Account Escheat Fee $20

Safe Deposit Box Annual Fee

3 x 10 Box $20
5 x 10 Box $50
10 x 10 Box $70
Key Deposit $25
Replacement Lock (one key lost) $45
Replacement Lock (both keys lost) $125
Late Fee (of Annual Rental Fee) $5

Privacy Policy

What does Highmark Federal Credit Union do with your personal information?

Why?
Financial companies choose how they share personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income
  • Account balances and payment history
  • Credit history and credit scores
How?
All financial companies need to share member personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member's personal information; the reasons that Highmark Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Highmark Federal CU Share? Can you limit this sharing?
For our everyday business purpose - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. Yes No
For our marketing purposes - to offer our products and services to you. Yes Yes
For joint marketing with other financial companies. N/A N/A
For our affiliates' everyday business purpose - information about your transactions and experiences. Yes No
For our affiliates' everyday business purpose - information about your credit worthiness. Yes No
For our affiliates to market to you. No N/A
For our non-affiliates to market to you. No N/A

Questions?

Call 605-716-4444

Who we are
Who is providing this notice? Highmark Federal Credit Union
What we do
How does Highmark Federal Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Highmark Federal Credit Union collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or deposit money
  • Pay your bills or apply for a loan
  • Use your credit or debit card We also collect your personal information for others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?

Federal law gives you the right to limit only:

  • sharing for affiliates' everyday business purposes - information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for non-affiliates to market to you state laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Other important information
For more information on our Privacy Policy, you may write us at 725 5th Street, Rapid City, SD 57701, call us at 605-716-4444

Website Disclosure

Product offers, rates, terms, and other information provided herein are subject to change without notice. Due to occasional inaccessibility to our website, Highmark Federal Credit Union cannot guarantee the completeness or accuracy of the information provided herein. Information is provided for your convenience and enjoyment. We cannot guarantee all rates to be accurate. You may request Highmark Federal Credit Union documentation or verify current offers by calling 800-672-6365.