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Banking Services & Fees

 Fee Schedule | Cashier's ChecksWire Transfer Instructions | Reorder Checks
Debit CardNight Deposit | 24-Hour ATMs | Drive-thru Banking | Notary Services 
 Stop Payment Information | Overdraft Privilege | Funds Availability Policy | Safe Deposit Boxes 

Banking Services & Fees


Here at Highland Federal our goal is to offer the most valuable and up to date services to you, our customer.  On the lending side our specialty is real estate, but in the world of full-service banking we offer an array of products and services to meet all your banking and financial needs.


At Highland Federal we also know that time is valued in our fast paced society, so in keeping with the pace, we hope these services let you experience the financial freedoms that benefit you the most.

  To view Highland Federal’s Fee Schedule.  
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  • Free with our Smart Choice Checking and Golden Choice Checking (value of check still applies)
  • For all other types of accounts, $5.00 per Cashier Check and Teller Checks
  • We do not issue Cashier Checks or Teller Checks to non-customers
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Wiring funds is a safe and convenient way to transfer money.  Wires out must be done in person at our Main Office.  You may want to call ahead at (931) 484-6178 or email us at Accounting@HighlandFederal.com so we can make sure you have all the information we need to properly send your wire.



To Receive a Wire:  
Use the Following Wire Instructions:  
To:             Highland Federal Savings & Loan
Crossville, TN

ABA# 264171267

Final Credit:    

Customer’s Name
Account Number


Incoming Wire-$10.00

Outgoing Wire-$20.00

International Outgoing Wire: $50.00

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  To reorder checks Online!  
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MASTERCARD - MoneyMaster Debit/ATM Card  

We proudly offer a MasterCard  MasterMoney Debit/ATM card.  This card can be used instead of writing checks or carrying cash.  The MasterCard  MasterMoney Debit/ATM card works like a check because it is deducted from your checking account but has the convenience of a credit card.  MasterCard is widely accepted, so whether you are shopping online, pumping gas, or just needing some quick cash, this card lets you do all this and more.  The MasterCard MasterMoney Debit/ATM card is available with most of our checking accounts, with no annual fee. To obtain a MasterCard Master MoneyDebit/ATM card you will need to come in to one of our offices and see an Account Representative for an application.  The application will be reviewed for approval based on your account relationship and history.

Please click here for more specific Debit Card Details.  
In the event your debit card is lost or stolen, please call our office at 
(931) 484-6178 during regular business hours, or for after business hour 
assistance call 1-877-849-5533.
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Didn’t make it in time to get your deposit or payment made?  Well, we have the solution.  For after hours convenience, we have a night drop box located at our Main Office and our Fairfield Glade Branch Office in the Village Green Mall.




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24-HOUR ATMs   

2 ATM locations:  For your convenience we have two ATM Locations, our Main Office at 106 South Main Street and our Fairfield Glade Branch office in the Village Green Mall at 126 Stonehenge Drive, Suite 113. 

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Drive thru banking is available at our Main Office located at 106 South Main Street, Crossville, Tennessee.

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Highland Federal offers free Notary Service for customers. 
For non-customers the fee is $5.00.

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A stop payment will need to be done in person at either our Main Office or our Fairfield Glade Branch Office.  A stop payment can be placed over the phone, but you must come in the Main Office within 14 days and sign the stop payment agreement. 

Stop Payment Fee-$25.00  
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As an additional benefit to your checking account, if your account has been open for at least thirty (30) days, and thereafter you maintain your account in good standing, which includes at least:

A)   Bringing your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours;
B)   Not being in default on any loan or other obligation to Highland Federal Savings and Loan Association and
C)   Not being subject to any legal or administrative order or levy

Highland Federal Savings and Loan may offer you a $100.00 overdraft privilege.  Overdraft privilege is not a line of credit.  This means that should you inadvertently overdraw your account we have the discretion to cover your overdrafts up to $100.00 after first subtracting the amount of the overdraft  fee(s) as outlined in the Discretionary Overdraft Privilege Policy.  When your items are paid, this service will help save you the embarrassment and inconvenience of a returned item as well as the fee normally charged to you by merchants for items returned to them.  Although the amount of Discretionary Overdraft Privilege will not be shown in your available balance, it may be available to you for ATM cash withdrawals, telephone, Internet banking and when you use your debit card for purchases at retail merchants. Eligible customers may be considered for increased Overdraft Privilege limits after 60 days of satisfactory account history.


Should an overdraft item be created by check, in person withdrawal, ATM withdrawal or other electronic means, your account will be charged the standard NSF fee of $28.00 for handling each item even if paid by the discretionary overdraft privilege service.  This is the same fee that Highland Federal Savings and Loan Association charges for items drawn against insufficient funds and returned to the payee.  If multiple items are presented against your account on the same day, each item will be assessed the NSF fee.


This service is offered as an additional benefit of doing business with Highland Federal Savings and Loan.  It is our pleasure to make this courtesy available to you as a means of expressing our appreciation for the confidence you have placed in Highland Federal Savings and Loan Association by entrusting us with your financial relationship.  Please remember the Overdraft Privilege service is not an agreement for Highland Federal Savings and Loan to pay your overdrafts and we may withdraw this privilege at any time.  Payment of any overdrafts will continue to be at the discretion of Highland Federal Savings and Loan and payment of an overdraft does not obligate us or create an agreement or course of dealing on our part to allow overdrafts on any occasion.


If you have any questions regarding this service, please contact our Main Office at 931-484-6178 or our Fairfield Glade Branch at 931-484-3612 or email us at deposits@highlandfederal.com.

Please take a moment to review our Discretionary Overdraft Privilege Policy.  
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