VerifiedCommunity credit union, under $300M

Gowanda Area Federal Credit Union

Gowanda, New YorkCredit UnionNew York district

Fee schedule collected Feb 17, 2026 · Financials as of Q1 2026

Website Published fee schedule

Verified fees

Under review

Assets

$32.1M

Fee benchmark score

Not scored

Financials as of

Q1 2026

Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

NSF fee: $5

80% below the national median NSF fee

Total fees: 11 — leaner than most institutions

Fee Schedule

Published fees

Verified fees power benchmarks; fees under review do not.

Account MaintenanceVerified

Reconciliation Fees - After Prior Month$25
per month · After prior month · Source

Fee	Amount	Basis	Note	Source
Account MaintenanceVerified
Reconciliation Fees - After Prior Month	$25	per month	After prior month	Source
Reconciliation Fees - Current and Prior Month	$10	per item	Current and prior month	Source
Researching Account Activity	$20	per item	Per hour	Source
Overdraft & NSFVerified
Automatic Transfer from Share Account Due to Non-Sufficient Funds	$5	per item	—	Source
Non-Sufficient Funds (Draft/ACH/Electronic Transfers)	$30	per item	—	Source
Return Item	$20
ATM & CardVerified
ATM Debit Replacement Card	$15	per item	—	Source
Check ServicesVerified
Foreign Item Deposit	$10	per item	—	Source
Stop Payments	$30	per item	—	Source
Digital & ElectronicVerified
Telephone Transfers	$5	per item	No signature required/no receipt mailed	Source
Account ServicesVerified
Letter of Protest	$20	per item	Paid by requestor	Source

How the headline fees compare

Published fees

Size and fee revenue