Heritage Federal Credit Union Get Rewards!   Find The Right Account For You     INTRODUCTION   HOW CHECKING WORKS   SELECTING AN ACCOUNT   PUTTING MONEY IN   TAKING MONEY OUT   ELECTRONIC ADVANTAGES •   BALANCING   DO AND DON'T Getting cash from an ATM might be quicker than visiting a branch—plus ATMs are accessible 24 hours a day. Watch out, though, for surcharges. A $1.50 surcharge for $20 cash amounts to a 7.5% fee.

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