Fee Schedule Effective January 1, 2022
| Account Maintenance1 | $ 2.50 per month |
| Abandoned Account Processing | $ 50.00 |
| Account Research | $ 25.00 per hour ($25 minimum) |
| Card Replacement | $ 20.00 |
| Copy of Paper Statement2 | $ 5.00 per statement |
| ATM Withdrawal Harvard FCU ATMs Other ATMs3 | FREE $ 1.50 |
| Checking Account Monthly Fee4 (unless waived per account agreement) Crimson Essentials Crimson Advantage Crimson Elite | $ 5.00 $ 10.00 $ 20.00 |
| Check Order5 | Varies |
| Insufficient Funds (check or electronic) Paid | $ 25.00 |
| Insufficient Funds (check or electronic) Returned | $ 25.00 |
| Item Paid Against Uncollected Funds | $ 10.00 |
| Foreign Check Collection Canadian Item6 Other Foreign Item6 | $ 20.00 $ 35.00 |
| Foreign Currency Conversion Fee | 1.10% of card transaction amount |
| Foreign Currency Buy Back Fee | $ 15.00 |
| Levy Processing Fee | $ 50.00 |
| Money Order | $ 4.00 |
| Notary Public Harvard FCU Members Non-Harvard FCU Members | FREE $ 1.25 |
| Copy of Check Paid | $ 4.00 |
| Online Banking | FREE |
| Online Bill Pay | FREE |
| Overdraft Protection(from savings, pre-authorized) | $ 5.00 |
| Reference/Verification Letter | $ 5.00 |
| Signature Guarantee (Medallion) | FREE (Harvard FCU Members Only) |
| Stop Payment | $ 20.00 |
| Tellers Check | $ 5.00 |
| Temporary Checks (sheet of four) | $4.00 |
| Wire Transfers Incoming Domestic Outgoing Foreign Outgoing | $ 7.50 $ 18.00 $ 35.00 |
| Priority Mail | Actual fee from service provider (minimum of $20.00) |
1. Fee will be waived if more than one active deposit, credit card or loan account exists within the member number, or if share savings account average monthly balance exceeds $500
2. Available without fee for six months
3. May differ according to account agreement. If you use an ATM not operated by Harvard FCU, you may be charged a fee by the operator of that ATM and/or by an automated transfer network
4. In accordance with Chapter 171 of the Massachusetts General Laws, members who are 18 or under or 65 or older may request a checking account free of monthly service charges, free of fees for deposits and withdrawals, and free orders of basic checks upon request.
5. No charge for the first order of basic checks
6. Plus any fee charged by the correspondent bank
7. Fee waived for Harvard FCU checking account holders