At Holyoke Credit Union protecting our members information is our top priority. We will never ask for any personal information such as account or debit card numbers, online banking log-in credentials or PIN numbers. Never give out your personal financial information in response to an unsolicited phone call, text or email, no matter how official it may seem. If you ever have any doubts as to the validity of these communications, please call us directly at 413-561-9600.

Fees
Effective Date: January 01, 2025

Account Related Fees

Account Research (per hour)     $50.00
Canadian Checks (US Dollar Account) $10.00
Check Orders  Variable
Copy of Check (Including Deposited)   $3.00
Dormant Account $25.00
Inactive Accounts $10.00
Early Closeout Fee (180 days) $25.00
Escheatment  $25.00
Instant Statement $5.00
Insufficient Funds/Uncollected Funds $33.00
IRA Trustee Transfer (outgoing) $30.00
Missing Mailing Address (per month)  $10.00
Reg D Excessive Transaction Fee $10.00
Money Market Excess of Three Checks Per Statement Cycle $10.00
Overdraft Protection Transfer   $5.00
Returned ACH Credit/Debit (Origination)  $30.00
Statement Copy $10.00


Service Related Fees

Backup Withholding $10.00
Checkbook Reconciliation (per hour) $30.00
Collection Item $20.00
1098/1099 Tax Form Copy $7.00
Night Deposit (per drop)   Free
Night Deposit Bag (additional bags) Free
Non-Member Loan Application Fee   $25.00 - Non Refundable
Notary Service $1.25
Return Deposit Item $8.24
Return Mortgage Payment $25.00
Return Consumer Loan Payment $25.00
Return Credit Card Payment $25.00
Security Fee $1.95
Tax Liens/Levies $50.00
Telephone Balance Inquiry $5.00
Telephone Transfer $5.00
Telephone Inquiry of Checks Cleared $5.00
Verification of Deposit (social service) Free
Verification of Deposit (other lender) $10.00
Verification Letter  $10.00


Official Bank Checks

Money Orders $5.00
Official Checks $7.00
Stop Payment $30.00
Stop Payment Money Orders $30.00
Stop Payment Official Check $40.00


Wire Transfer Fees    

Domestic/Foreign Incoming $10.00
Domestic Outgoing $35.00
Foreign Outgoing $50.00
Recurring $10.00


ATM/Debit Card Service Fees

Replacement of ATM/Debit Card $15.00
Replacement of ATM/Debit Card (Rush) $75.00

Safe Deposit Box Fees

Safe Deposit Box 3 x 5 $75.00
Safe Deposit Box 3 x 10 $100.00
Safe Deposit Box 5 x 10 $125.00
Safe Deposit Box 10 x 10 $175.00
Lock Drilling $129.00
Lost Safe Deposit Box Key $149.00
Late Rental Fee $10.00



Online Banking Fees

Online Banking Free
Online Bill Payment Free
eStatements Free
Mobile Banking Free
Mobile Remote Deposit Capture Free

Holyoke Credit Union ATMs are available for free, unlimited use by members. Other institutions may impose a surcharge for use of their ATMs.