| Services | Fees |
|---|---|
| ATM/Debit Card | |
| -Transactions at HIFS ATMs | No Charge |
| -Card Activity Charge (Transactions at other banks' ATMs)1 2 3 | No Charge |
| Check Collections (Foreign/Domestic)4 | $20.00 |
| Inactive Account (balance $15.00 or less for 6 months) | $15.00 |
| Minimum Balance Fee5 | No Charge |
| Statement Copies/Check Copies | $3.00 per item |
| Overdraft/Non-Sufficient Funds Charge - Business Accounts6 | $45.00 |
| Overdraft/Non-Sufficient Funds Charge - Consumer Accounts6 | $45.00 |
| Overdraft/Non-Sufficient Funds Charge - 18/65 Accounts (as a result of insufficient or uncollected funds)6 7 | $5.00 |
| Retirement Accounts | |
| -Annual Maintenance Fee | $35.00 |
| -Direct Transfer of Asset | $75.00 |
| Return Deposited Item Fee | No Charge |
| Escheatment Fee | $50.00 |
| Safe Deposit Boxes(Storage Lockers) Not available at all locations. Prices vary by size). | $45.00 - $219.50 |
| -Lost Key Fee | $50.00 |
| -Box Drilling Fee | $150.00 |
| Stop Payments | $25.00 |
| Wire Transfers (Personal & Business Branch Initiated) | |
| -Incoming | No Charge |
| -Outgoing - Domestic | $10.00 |
| -Outgoing - Foreign | $15.00 |
| Wire Transfers (Business Online Banking Initiated) | |
| -Incoming | No Charge |
| -Outgoing - Domestic | No Charge |
| -Outgoing - Foreign | $15.00 |
| ACH Services | |
| -Incoming | No Charge |
| -Outgoing | No Charge |
| Business Remote Deposit Capture | |
| -Mobile | No Charge |
| -Desktop | No Charge |
| Positive Pay for Business | Varies |
| Merchant Services | Varies |
1 Customers with “Personal Checking” who maintain an average monthly balance of $1,500 will receive rebates for non-HIFS ATM surcharges of up to $45.00 per statement cycle. HIFS will not charge any ATM fees, regardless of customer balance.
2 Customers with “Business Checking” who maintain an average monthly balance of $1,500 will receive rebates for non-HIFS ATM surcharges of up to $45.00 per statement cycle. HIFS will not charge any ATM fees, regardless of customer balance.
3 Customers with “Student Checking” who set up online banking with e-statements and do not order paper checks will receive rebates for non-HIFS ATM surcharges of up to $45.00 per statement cycle. HIFS will not charge any ATM fees, regardless of customer balance.
4 Plus correspondent bank fee.
5 There is no minimum balance requirement to avoid a monthly maintenance fee. However, interest bearing accounts will not earn interest if the daily account balance is below $ 15.00.
6 As a result of Non-Sufficient Funds (NSF), whether Paid or Returned. Created by check or electronic means.
7 Overdraft/Non-Sufficient Funds (NSF) fees are not applied to one-time debit card (EFT) or ATM transactions.
Fees current as of: 8th December 2025.