Fees | Checking | Savings | Credit Cards | Loans | No Fees

Product and Service Fees


Effective January 1, 2019

Checking Account


No Monthly Fee

Checking PLUS

$5.95 per month

Checking Restart

$10.00 per month

Non-Sufficient Funds (NSF)

$30.00 per check

EFT Stop Payment

$30.00 per item

EFT Non-Sufficient Funds (NSF)

$30.00 per item

Stop Payment Placement

$30.00 per check or range

Stop Payment Removal

$10.00 per stop payment

Check Copy
(front & back)

$3.00 per check

Check Original Copy
(Approx. 30 day availability)

$5.00 per check

Checking Reconciliation/Balancing Service
(1 hr. minimum)

$15.00 per hour

Check Research
(1 hr. minimum)

$15.00 per hour

Overdraft Usage Applied

$30.00 per manual overdraft

Overdraft Privilege

$30.00 per check

Counter Checks

$5.00 for eight (8) checks


Non Member

Check Cashing Fee


Coin Acceptance Fee
(Shared branching non-member excluded)



ATM or Visa® Debit Card 

ATM Adjustment Fee
(Network fee may apply)

$5.00 per card

Replacement Card

$10.00 per card

Withdrawal Insufficient

$30.00 per funds withdrawal

Overdraft Usage Applied

$30.00 per overdraft manually



Official Checks
(first check free)

$2.00 per check

Official Checks Stop Payment

$15.00 per check stop payment

Money Orders

$2.00 each

AMEX Gift Cheques

$2.50 per check

Traveler's Checks  


1.0% of face value

For Two

1.5% of face value



Statement/Receipt Copy

$1.00 per page

Statement/Returned Mail

$3.00 monthly

Return Deposit Item

$20.00 per check

Account Research

$15.00 per hour (1 hr. min.)

Inactive/Dormant Account Fee

$10.00 per month after 15 months of inactivity

Below Par Value Closure Fee




Western Union
(Additional fees charged by Western Union)

$5.00 each


Online Service

Mobile Deposit

No Charge

Online Banking

No Charge

Personal Check View
(Six months of check history available)

No Charge

External Account Transfers (A2A)  

Incoming to Hughes

No Charge

Outbound from Hughes

$5.00 per item

Unpaid/Return Payment

$30.00 per item


Bill Pay Service

Bill Pay

No Charge

Proof of Payment Request

$6.00 each

Non-Sufficient Funds (NSF)

$30.00 per payment

Stop Payment

$30.00 per stop payment

Expedited Payments  

Same Day Payment

$9.95 each

Overnight Check

$26.95 each




No Charge

Standard Delivery (3-day)  

Send or Request Money


$1.00 to $249.99

$0.50 each

$250.00 to $999.99

$1.00 each


$1.50 each

Next Day Delivery  

$1.00 to $1,000.00+

$2.00 each

Instant Delivery  

$1.00 to $1,000.00+

$3.00 each

Stop Payment Placement

$30.00 per payment


Loan/Credit Card

Loan/Credit Card Late Fee

Up to $30.00

Over the Credit Limit

Up to $20.00

Return Payment

Up to $30.00

Credit Card Replacement


Design Your Own Credit Card


Credit Card Pay by Phone


Credit Card Rush Fee


Subordination Fee


Indirect Dealer Loan Late Fee

5% of payment


Wire Transfers

Member Incoming

No Fee

Incoming International

$7.50 per wire

Member Outgoing  

Domestic (U.S.)

$20.00 per wire

(Additional fees may apply)

$40.00 per wire

Product and service fees are effective October 1, 2018 and are subject to change. All other policies are effective on the publication date and are subject to change. Please contact us for most current fees and information.

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