Fee Schedule

All Accounts

Account Research Fee$6.00 per hour

Dormant Fee (No Activity for 12 months)$5.00 a month

Late Fee on Loans$29.00

Legal Process Fee

  • $84.00 for Garnishment
  • $53.00 for Judgement
  • 25% Attorney Fees

Title Transfer Fee$10.00

Duplicate Title Fee$10.00

Stop Payment Fee$25.00

Statement Copy Fee$1.00 per copy (per item)

Deposit Item Return-$15.00

Original Copy Draft-$10.00

ACH Return Insufficient Funds-$35.00

Clear Draft from Savings-$10.00

Courtesy Pay Fee$35.00

VISA Check  Card Application Fee$5.00

Visa Check Card Replacement- $10.00

Replacement Pin for Debit Card-$5.00

Check Cashing Fee (Free with Direct Deposit)$5.00

Excess withdrawal fee of 35.00 per transaction after 6 transactions

Investment Clubs

Christmas Club Account Withdrawal Fee – $10.00  for a withdrawal, other than the automatic withdrawal date ( Nov. 1 )

Vacation Club Account Withdrawal Fee$10.o0 for a withdrawal other than the automatic withdrawal date (June 1)


ATM Withdrawal Transfer Fee (if not Richmond Heritage ATM)$1.00


Membership Share$5.00 per value

Membership Fee$5.00

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