34 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 1, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Rewards Checking $5.95 · Single Service Account $6.95 · Fresh Start Checking $9.95
Compared at $6.95, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from Tampa Bay Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per month · Waived with $1,500 combined savings and checking balance or $15,000 loan balances
per month · When balance less than $200
per month
per month · accounts inactive for 15 months
per month
per item
per month
per item
per item
per item
per item
per day
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per year
per item
per item
per item
per item
per page · Fax (each page) | $3.00
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Fresh Start Checking Monthly Maintenance Fee (audience not stated, treated as personal) | $9.95 | per month | None |
| Fresh Start Checking Monthly service charge (audience not stated, treated as personal) | $9.95 | per month | None |
| Rewards Checking Monthly Maintenance Fee (audience not stated, treated as personal) | $5.95 | per month | Waived with $1,500 combined savings and checking balance or $15,000 loan balances |
| Single Service Account Monthly Fee | $6.95 | per month | When balance less than $200 |
| Single Service Account Monthly Fee (When balance less than $200) | $6.95 | per month | None |
| Closed Account within 180 days of opening | $25 | Not stated | None |
| Inactive Fee | $5 | per month | accounts inactive for 15 months |
| Inactive Fee (accounts inactive for 15 months) | $5 | per month | None |
| Special Handling for same day requests (Documents & Research) | $15 | per item | None |
| Excessive Transfers | $6 | Not stated | None |
| Bad Address Monthly Fee | $10 | per month | None |
| Returned Mail | $5Not compared: Per-occurrence charge, not monthly | per item | None |
| Returned Mail (each) | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Share Fee -Authorized Paid NSF Debit or ATM Transaction (each-If transaction overdraws balance more than $10.00) (audience not stated, treated as personal) | $35 | Not stated | None |
| Share Fee (Paid NSF ACH or Check Transaction) (each) (audience not stated, treated as personal) | $35 | per item | None |
| Share Fee (ACH or Check Returned NSF) (audience not stated, treated as personal) | $35 | per item | None |
| Negative Balance Fee (per day Applies on 5th day account negative, maximum 14 days) (audience not stated, treated as personal) | $5 | per day | None |
ATM & Card | |||
| ATM Withdrawal/Inquiry all other networks | $2 | per item | None |
| ATM Withdrawal/Inquiry on all other networks (audience not stated, treated as personal) | $2 | per item | None |
| ATM or MasterMoney Debit Replacement Card | $10 | per item | None |
| ATM or MasterMoney Debit Replacement Card (each) | $10 | per item | None |
| Expedite Debit Card | $40 | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Funds/Wire Transfer | $25 | per item | None |
| Outgoing Domestic Funds/Wire Transfer (each) | $25 | per item | None |
| Incoming Domestic Funds/Wire Transfer | $10 | per item | None |
| Incoming Domestic Funds/Wire Transfer (each) | $10 | per item | None |
| Outgoing International Funds/Wire Transfer | $50 | per item | None |
| Outgoing International Funds/Wire Transfer (each) | $50 | per item | None |
| Incoming International Funds/Wire Transfer | $15 | per item | None |
| Incoming International Funds/Wire Transfer (each) | $15 | per item | None |
Check Services | |||
| Official Check | $5 | per item | None |
| Official Check (each) | $5 | per item | None |
| Money Order | $4 | Not stated | None |
| Money Orders (in the amount of $1,000 or less) | $4 | Not stated | None |
| Stop Payments | $35 | Not stated | None |
| Temporary Checks | $5 | Not stated | None |
| Check Cashing/Withdrawals in person (2 Free; For single service accounts with balance under $200) | $3 | Not stated | None |
| Check Cashing/Withdrawals in person (2 Free; For single service accounts with balance under) | $3 | Not stated | None |
| On-Us" Check Cashing (for non-members) | $5 | Not stated | None |
| Check Photocopy | $2 | per item | None |
| Check Photocopy (each) | $2 | per item | None |
| Official Check Copy (each) | $12 | per item | None |
Digital & Electronic | |||
| Reoccurring Outgoing ACH | $5 | per item | None |
| Share Fee (ACH or Check Returned NSF) (each) (audience not stated, treated as personal) | $35 | per item | None |
Cash & Deposit | |||
| Coin Machine (member-) (audience not stated, treated as personal) | 6% | Not stated | None |
| Coin Machine (non-member-) (audience not stated, treated as personal) | 10%($25 maximum) | Not stated | None |
| Check Deposit Returned NSF (each) (audience not stated, treated as personal) | $15 | per item | None |
| Check Deposit Returned NSF Self to Self (each) (audience not stated, treated as personal) | $35 | per item | None |
Account Services | |||
| Notary Service (non-member - per signature) | $10 | per item | None |
| Safe Deposit Box 3" x 5" (audience not stated, treated as personal) | $40 | per year | None |
| Safe Deposit Box Rental 10" x 10" (audience not stated, treated as personal) | $115 | Not stated | None |
| Safe Deposit Box Rental 3" x 10" (audience not stated, treated as personal) | $65 | Not stated | None |
| Safe Deposit Box Rental 3" x 5" (audience not stated, treated as personal) | $40 | Not stated | None |
| Safe Deposit Box Rental 5" x 10" (audience not stated, treated as personal) | $90 | Not stated | None |
| Safe Deposit Late Fee (audience not stated, treated as personal) | $25Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Replacement Key (audience not stated, treated as personal) | $20Not compared: Box drilling or key fee | per item | None |
| Garnish/Levy (each) (audience not stated, treated as personal) | $100 | per item | None |
Lending Fees | |||
| Credit Card Late Payment: (Subsequent occurrence within 6 months) | $35 | Not stated | None |
| Credit Card Late Payment: First occurrence | $29 | Not stated | None |
| Loan Modification | $15 | one time | None |
Retirement & IRA | |||
| IRA Transfer Outgoing | $20 | Not stated | None |
Vehicle & Title | |||
| Request for copy of Vehicle Title Fee | $15 | Not stated | None |
Other Fees | |||
| Check Photocopy (each) | $2 | per item | None |
| Fax (each page) (audience not stated, treated as personal) | $3Not compared: Charged per page; comparison unavailable | per page | Fax (each page) | $3.00 |
| Statement Copy (each) | $3 | per item | None |
| Loan Modification | $15 | Not stated | None |
| Loan Processing (audience not stated, treated as personal) | $20 | Not stated | None |
| Skip A Payment (each) | $35 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 1, 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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