Last Updated: 01/21/2026
Richmond Heritage FCU Share Draft Checking Account
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
N/A
Monthly Service Fee
$0(Verified 01/21/2026)
Richmond Heritage FCU Share Draft Checking Account Review
The Richmond Heritage FCU Share Draft Checking Account is offered by Richmond Heritage Federal Credit Union, a credit union founded in and based in Richmond, VA. Richmond Heritage FCU Share Draft Checking Account is available in 50 states and Washington, DC.
Key Takeaways
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Richmond Heritage FCU Share Draft Checking Account does not charge fees on ATM transactions within its network but there is a fee of $1.00 for out-of-network ATM transactions .
Richmond Heritage FCU Share Draft Checking Account Pros & Cons
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Richmond Heritage FCU Share Draft Checking Account FAQ
Are checking accounts from Richmond Heritage Federal Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does Richmond Heritage FCU Share Draft Checking Account offer?
Richmond Heritage FCU Share Draft Checking Account is not an interest-bearing account.
What are the account minimums for Richmond Heritage FCU Share Draft Checking Account?
Richmond Heritage FCU Share Draft Checking Account does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Richmond Heritage FCU Share Draft Checking Account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $1.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $1.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $15.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Richmond Heritage FCU Share Draft Checking Account charge overdraft fees?
Yes, Richmond Heritage FCU Share Draft Checking Account charges a $35.00 fee for every overdraft.What features and perks does Richmond Heritage FCU Share Draft Checking Account offer?
This account includes the following features:
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Richmond Heritage FCU Share Draft Checking Account?
The customer support email for Richmond Heritage FCU Share Draft Checking Account is randy.cooper@richheritage.org.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
11:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed