Service Fees

Share Savings Account

Monthly Service Fee Free  
Withdrawals - Four withdrawals/transfers per monthly cycle No Fee  
Withdrawals - Charge per each withdrawal/transfer from, over 4 (Non-Minor Account) $2  
Under age 18 (Minor Account) charge per withdrawal over 4 No Fee  
Maintain a minimum daily balance of $1,500 or more within a monthly cycle and you pay no withdrawal fees.
NOTE: Federal Regulations impose some transaction limitations; please refer to the Truth-In-Savings disclosure for details.

Traditional Checking Accounts - Monthly Service Fees

Free Checking Free  
Dividend Checking
Fee waived for those enrolled in direct deposit and online statements                                                      
DBA, Association and Club Checking
*Maintain a minimum daily balance of $500 or more within a monthly cycle and you pay no monthly fee.
Transaction fee of $.25 on each in-person teller transaction exceeding 150 per monthly statement cycle.

Money Market Account

Monthly Service Fee*
If balance falls below $1,000 any day during the monthly cycle

*Maintain a minimum daily balance of $1,000 or more within a monthly cycle and you pay no monthly fee.  Up to six free withdrawals permitted each monthly statement cycle.  Each additional withdrawal is $7.

Online Services

Online Banking Free  
Credit Human Mobile App Free  
GoDeposit, the remote check deposit feature Free  
SendMoney (Powered by PayPal) Free  
Online Statements and Notices Free  
Electronic Proof of Payment $5  
Bill Pay:

Monthly Service Fee
Copy of Bill Payment Check
Stop Payment of Bill Payment Check
Manual Payment Re-Issue
Returned/Refunded Items Fee
Express Mail (per item)
Payment Investigation Fee



Consumer Loan Services

For free consumer loan payment transfers from share savings or checking, use online or mobile banking, call bank by phone or use automatic debit from your Credit Human account.

Transfer payment from Share Savings or Checking to make a loan payment where a representative is used. (Make payments to Visa®, MasterCard®, Line of Credit, Installment Loan or Home Loan.)

Skip Pay

Qualifying members can request Skip Pay free via online banking.


Home Loan Services

Fax Fee $5  
Amortization Schedule $15  
Copy of Survey $25  
Subordination Document Fee $50  
Collateral Administrative Fee $50  
Large Principal Reduction Modification Fee $50  
Returned Check Charge (ACH/check payments) $25  

Account Fees

For free account inquiries and transfers, use online or mobile banking, or call bank by phone.                         
Balance Inquiry $1  
Deposit Inquiry $1  
Transaction Inquiry* (Includes Debit/ATM transactions) $1  
Dividend Inquiry $1  
Verification of ACH/Direct Deposit $1  
Account Transfers $2  
*Example: Checks Cleared or Specific Check Inquiry
Account Inquiry and Account Transfer fees apply to inquiries/transfers through branch employees or through the Member Service Center.
For free Account Inquiries and Transfers, use Credit Human Online Banking, use the Credit Human mobile app, visit a Credit Human ATM or call Credit Human bank by phone.

Other Fees

ACH Telephone Payment Request $15  
Account Closed Within 90 Days of Opening $20  
Account Reconciliation $15 per hour  
Account Reinstatement $10  
Account Transaction Printout $2  
Check Issued By Phone (Member Service Center/bank by phone) $2  
Check/ACH Paid Against Uncollected Funds $25 per item  
Continuous Overdraft Fee* $25  
Courtesy Pay Handling Fee (per item)** $25  
Debit/ATM Card Replacement Fee $5  
Debit Card Rush Order Fee $5  
Debit Card Rush Mail Service Fee $20  
Debit Card PIN Rush Mail Fee $20  
Inactive Account Fee (After 18 mos inactivity) $5 per month  
Non Sufficient Funds Fee $25 per item  
Share Savings/Money Market Transfer to Checking/Money Market to Cover Non Sufficient Funds (Activation of service required.)  $3 per item  
Photocopies (Account Information)
Check/Statement Copies
Rush Copy of Check/Statement

Research $20 per hour  
Returned Deposit Item $5  
Stop Payment Order
(Free via online banking)
$22 per item  
Temporary Checks (Book of 8) $2  
Verification of Deposit (Written) $10  
*On the 18th day a share or checking account remains overdrawn, a one-time fee of $25 will be imposed, in addition to any/all other fees that may have been assessed.
**Fees are applied against amount available for Courtesy Pay.

ATM Fees

Credit Human ATM Card at Credit Human ATM Free  
Non-Credit Human-owned ATM* $1  
*Members may use Non-Credit Human-Owned ATMs in the Greater Houston Area, at no charge from Credit Human. ATM owners may assess a fee for use of their ATMs.

Safe Deposit Boxes

Size of Box Annual Rental Fee  
3 X 5 X 22
5 X 5 X 22*
3 X 10 X 22
5 X 10 X 22
6 X 10 X 22
10 X 10 X 22
15 X 10 X 22*
23 X 15 X 22*
46 X 15 X 22*
Safe Deposit Box Fees
Drilling Charge Due to Lost Key(s)
Key Deposit**

*Available at the Main Branch Only.  **Refundable when box is closed and two keys are surrendered.  
Safe deposit boxes are available at select Credit Human branches.

Service Fees

Cashier’s Check
Money Orders
Check Cashing (Non-Credit Human checks)
With four or more services at Credit Human or $500 in combined deposits/loans*
If none of the above criteria applies and your age is 18 or greater
Non-Members (on-us Credit Human checks)

1%  of amount or $10 (whichever is greater)
Coin Counting Machines
Members with Commercial accounts or Commercial-like coin transactions will be charged a 2% transaction fee.
Coin Rolls   10 cents per roll  
Check Order Re-route Fee (When undeliverable as addressed.)   $3  
Currency Straps   25 cents per item  
Collection Items: (Incoming, Outgoing)
$10 + processing fees
$25 + processing fees
Fax Charge   $5  
Gift Cheques (American Express)   $2.50  
Letter Verification   $5 plus research fees  
Letter Verification (Rush)   $10 plus applicable research fees  
Lock Bag Purchase   $15.50  
Medallion Signature Guarantee Service**   Free  
Notary Service   Free  
Official Checks (Must be $500 or more)   Free  
Photocopies   $1 per page  
Signature Verification   $5  
Travelers Cheques
Cheques for Two
  2% of amount
2½% of amount
Zipper Bag Purchase   $3  
*Members with Commercial accounts or Commercial-like coin transactions will be charged a 2% transaction fee.  **Available at the Main Branch and Fallbrook Branch (Houston)

Money Transfer Fees

Wire Transfers
Outgoing (before 2 p.m. CST*) 
Outgoing (after 2 p.m. CST**) 
Incoming (up to 3 transfers)
Incoming (4 or more transfers per month)

$3 each
$15 + processing fee
Money transfer services are for Credit Human members only.
*Central Standard Time 
**Credit Human members are advised to contact the receiving institution to confirm when monies that are wired after 2 p.m. CST will be posted to the receiving account.

Inactive Account Fees

Every account held at Credit Human has maintenance cost, whether the account is utilized or not.  Credit Human will assess a $5.00 per month fee for inactive accounts.
Inactive accounts are defined as:
  • A Share Savings Account which is the only account type associated under a single member number; and
  • A Share Savings Account with the primary owner 18 years of age or older; and
  • A Share Savings Account with a balance less than $250.00; and
  • A Share Savings Account in which no member-initiated transaction has occurred for a consecutive 18-month period.
 A 60-day notice will be sent (to the last known address) at the 16th month of inactivity.  To prevent the initiation of the $5.00 per month fee, inactive account owners receiving the notice must conduct a transaction (which affects the account balance) prior to the 18th month of inactivity.
This policy does not affect Minor Accounts where the primary account owner is under 18 years of age.

Inactive Credit Human Free Checking Accounts

Credit Human checking accounts without member-initiated transactions, for a period of 18 months are considered inactive.  Credit Human reserves the right to close the Free Checking Account and transfer the funds to the Share Savings Account (under the same member number).  All subsequent Inactive Account procedures will follow the processes listed above for Inactive Share Savings Accounts.