Motion Federal Credit Union

Headquarters: Linden, New Jersey
Charter: Credit Union
Assets: $60.2M
Fed district: New York

26 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 26, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Motion Federal Credit Union: $30
Motion Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Motion Federal Credit Union: $30
Motion Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Motion Federal Credit Union: $1
Motion Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Jersey, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New Jersey: Banks and credit unions headquartered in New Jersey that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Motion Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closed Account Fee (if Account closed in first year)$25
Escheatment Processing Fee$50
Inactive Account Fee$5
per month
Research Per Hour$25
Not compared: Charged per hour; comparison unavailable
per hour · Research Per Hour | $25.00
Paper Statement Fee$2
per month
Returned Mail / Bad Address$5
per month

Overdraft & NSF

Paid Overdraft 1$30
Non-Sufficient Funds$30
Overdraft Transfer$4

ATM & Card

ATM Withdrawal/Transfer Fee$1
per item
Reissue Debit Card$7

Wire Transfers

Outgoing Domestic Wire$25
Incoming Domestic WiresNo charge
International Wire Cancellation Fee$60
Outgoing International Wire$50
Incoming International WireNo charge

Check Services

Official/Cashier’s Check (when payable to a 3rd party)$5
Money Orders$1.50
Stop Payment Fee$20
Foreign Collection Item$35
Physical Draft/Statement Copy (each)$5
per item

Cash & Deposit

Deposited Item Returned$25

Account Services

Notary ServiceNo charge
Levy/Collection Item$50
Legal Process$50
Subordination Fee$100
Account Verification Letter / Forms Completion$10

Retirement & IRA

IRA Trustee to Trustee Transfer Fee$50

Gift & Prepaid Cards

Visa Gift Card Activation Fee$3.95

Other Fees

FedEx Mail/Shipping / Overnight Rush Delivery$20

Fee	Amount	Basis	Note
Account Maintenance
Closed Account Fee (if Account closed in first year)	$25	Not stated	None
Escheatment Processing Fee	$50	Not stated	None
Inactive Account Fee	$5	per month	None
Research Per Hour	$25Not compared: Charged per hour; comparison unavailable	per hour	Research Per Hour \| $25.00
Paper Statement Fee	$2	per month	None
Returned Mail / Bad Address	$5	per month	None
Overdraft & NSF
Paid Overdraft 1	$30	Not stated	None
Non-Sufficient Funds	$30	Not stated	None
Overdraft Transfer	$4	Not stated	None
ATM & Card
ATM Withdrawal/Transfer Fee	$1	per item	None
Reissue Debit Card	$7	Not stated	None
Wire Transfers
Outgoing Domestic Wire	$25	Not stated	None
Incoming Domestic Wires	No charge	Not stated	None
International Wire Cancellation Fee	$60	Not stated	None
Outgoing International Wire	$50	Not stated	None
Incoming International Wire	No charge	Not stated	None
Check Services
Official/Cashier’s Check (when payable to a 3rd party)	$5	Not stated	None
Money Orders	$1.50	Not stated	None
Stop Payment Fee	$20	Not stated	None
Foreign Collection Item	$35	Not stated	None
Physical Draft/Statement Copy (each)	$5	per item	None
Cash & Deposit
Deposited Item Returned	$25	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Levy/Collection Item	$50	Not stated	None
Legal Process	$50	Not stated	None
Subordination Fee	$100	Not stated	None
Account Verification Letter / Forms Completion	$10	Not stated	None
Retirement & IRA
IRA Trustee to Trustee Transfer Fee	$50	Not stated	None
Gift & Prepaid Cards
Visa Gift Card Activation Fee	$3.95	Not stated	None
Other Fees
FedEx Mail/Shipping / Overnight Rush Delivery	$20	Not stated	None

Correct a fee source

Oct 26, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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