vs. U.S. typical range:LowerTypicalHigher
$4 above the national median$5 above the Montana median
$4 above the national median$5 above the Montana median
per month · Source
$1 below the national medianAt the Montana median
per month · Source
$6 below the national median$5 below the Montana median
per month · Source
$1 above the national median$2 above the Montana median
per month · Source
$5 above the national median$5 above the Montana median
$9.50 below the national median$9.50 below the Montana median
per month · Source
$2.50 above the national median$2.50 above the Montana median
$3 below the national median$3 below the Montana median
At the national medianAt the Montana median
per day · Source
$5 below the national median$5 below the Montana median
At the national medianAt the Montana median
$1.50 below the national median$2 below the Montana median
$0.50 above the national medianAt the Montana median
At the national medianAt the Montana median
$20 above the national median$6 above the Montana median
—
At the national median$1.25 above the Montana median
$10 below the national median$8.75 below the Montana median
$2 below the national medianAt the Montana median
$5 below the national median$3 below the Montana median
At the national medianAt the Montana median
$12.50 below the national median$10 below the Montana median
$7.50 above the national median$10 above the Montana median
$2 above the national median$3 above the Montana median
$5 above the national medianAt the Montana median
per item · Source
$2 above the national median$2 above the Montana median
$2.50 below the national medianAt the Montana median
$2.50 below the national median$2.25 below the Montana median
$25 above the national medianAt the Montana median
$5 above the national medianAt the Montana median
$4.45 above the national median$3.45 above the Montana median
$2.75 below the national median$2.06 below the Montana median
per item · Source
$2.50 below the national median$5 above the Montana median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Fresh Start Checking Maintenance Fee | $10Within the typical range ($4–$10 nationally) | $4 above the national median$5 above the Montana median | — | — | Source |
| Fresh Start Checking monthly maintenance fee | $10Within the typical range ($4–$10 nationally) | $4 above the national median$5 above the Montana median | per month | — | Source |
| Monthly service charge | $5Within the typical range ($4–$10 nationally) | $1 below the national medianAt the Montana median | per month | — | Source |
| Monthly Service Fee | $0Below the typical range ($4–$10 nationally) | $6 below the national median$5 below the Montana median | per month | — | Source |
| Sky Secure Checking Monthly Maintenance fee | $7Within the typical range ($4–$10 nationally) | $1 above the national median$2 above the Montana median | per month | — | Source |
| High Yield Checking Below Minimum Balance Canadian Item Return | $35Above the typical range ($5–$10 nationally) | $28 above the national median | — | — | Source |
| Inactivity Fee (inactive for 3 years) | $10Within the typical range ($5–$10 nationally) | $5 above the national median$5 above the Montana median | — | — | Source |
| Bad Address (monthly) | $8Below the typical range ($12–$25 nationally) | $9.50 below the national median$9.50 below the Montana median | per month | — | Source |
| Statement Reconciliation (per hour) | $20Within the typical range ($12–$25 nationally) | $2.50 above the national median$2.50 above the Montana median | — | — | Source |
| Option to purchase paper statements | $0Below the typical range ($2–$4.95 nationally) | $3 below the national median$3 below the Montana median | — | — | Source |
| Paper Statement Fee (consumer and business) | $3Within the typical range ($2–$4.95 nationally) | At the national medianAt the Montana median | — | — | Source |
Overdraft & NSFVerified | |||||
| Negative Balance Fee | $5Within the typical range ($5–$15 nationally) | At the national median | per day | — | Source |
| Overdraft protection (to qualifying members) | $0 | ||||
ATM & CardVerified | |||||
| Transaction on CO-OP Network ATM Surcharge | $0Below the typical range ($1–$2.25 nationally) | $1.50 below the national median$2 below the Montana median | — | — | Source |
| Transaction on Non CO-OP Network ATM | $2 | ||||
Wire TransfersVerified | |||||
| Incoming Wire | $10Within the typical range ($5–$15 nationally) | At the national median$1.25 above the Montana median | — | — | Source |
| Incoming Wires | $0 | ||||
Check ServicesVerified | |||||
| Cashier Check | $3Within the typical range ($3–$6 nationally) | $2 below the national medianAt the Montana median | — | — | Source |
| Free Cashier’s Checks | $0 | ||||
Digital & ElectronicVerified | |||||
| Online bill pay | $0Within the typical range ($0–$9.95 nationally) | $2.50 below the national medianAt the Montana median | — | — | Source |
| Mobile Banking With Mobile Deposit | $0 | ||||
Cash & DepositVerified | |||||
| Night Depository | $0Below the typical range ($5–$20 nationally) | $10 below the national median | — | — | Source |
Account ServicesVerified | |||||
| Notary Services For Members | $0Within the typical range ($0–$5 nationally) | $2.50 below the national median$2.25 below the Montana median | — | — | Source |
| Garnishment/Execution/Levy | $75 | ||||
Lending FeesVerified | |||||
| VISA Credit Card Late Payment | $25Within the typical range ($10–$25 nationally) | $5 above the national medianAt the Montana median | — | — | Source |
Gift & Prepaid CardsVerified | |||||
| VISA Pre-paid Gift Card | $7.95Above the typical range ($3–$4.95 nationally) | $4.45 above the national median$3.45 above the Montana median | — | — | Source |
Other FeesVerified | |||||
| CHECKING ACCOUNT SERVICE FEES Photocopies (per page) | $0.25Below the typical range ($2–$5 nationally) | $2.75 below the national median$2.06 below the Montana median | per item | — | Source |
| Page Skip-A-Payment | $35 | ||||
Its state has too few comparable institutions, so these are its Fed district peers.
Monthly maintenance
$7.00
Of 26 others that publish it, 16 lower, 1 the same and 9 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees published
10 of 15
Published fees
37
Under review
0
Assets
$197.3M
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Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$197.3M
Total deposits
$177.1M
Service charge income (year to date)
$748K
Fee income ratio
10.8%
Return on assets
0.30%
Financial profile · Pro
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| $5 below the national median$5 below the Montana median |
| — |
| — |
| Source |
| Overdraft Transfer | $5Within the typical range ($2.50–$5 nationally) | At the national medianAt the Montana median | — | — | Source |
| $0.50 above the national medianAt the Montana median |
| — |
| — |
| Source |
| Card Replacement | $10Within the typical range ($5–$10 nationally) | At the national medianAt the Montana median | — | — | Source |
| Card or PIN Rush Order (3-5 Days) | $60Above the typical range ($30–$50 nationally) | $20 above the national median$6 above the Montana median | — | — | Source |
| Foreign Transaction Fee | 2%of the transaction | — | — | — | Source |
| $10 below the national median$8.75 below the Montana median |
| — |
| — |
| Source |
| $5 below the national median$3 below the Montana median |
| — |
| — |
| Source |
| Money Order | $2Within the typical range ($1.50–$3 nationally) | At the national medianAt the Montana median | — | — | Source |
| Money Order Stop Payment | $15Below the typical range ($20–$30 nationally) | $12.50 below the national median$10 below the Montana median | — | — | Source |
| Stop Payment | $35Above the typical range ($20–$30 nationally) | $7.50 above the national median$10 above the Montana median | — | — | Source |
| Temporary Checks | $4Within the typical range ($1–$4 nationally) | $2 above the national median$3 above the Montana median | — | — | Source |
| Canadian Collection Item (for each item processed) | $25Within the typical range ($10–$25 nationally) | $5 above the national medianAt the Montana median | per item | — | Source |
| Copy of Cancelled Check | $5Within the typical range ($2–$5 nationally) | $2 above the national median$2 above the Montana median | — | — | Source |
| At the national median |
| — |
| — |
| Source |
| $25 above the national medianAt the Montana median |
| — |
| — |
| Source |
| $2.50 below the national median$5 above the Montana median |
| — |
| — |
| Source |