Gowanda Area Federal Credit Union

Headquarters: Gowanda, New York
Charter: Credit Union
Assets: $33.5M
Fed district: New York

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

Source: its fee schedule, read Nov 4, 2026.

Explore Hamilton View published fees

Fees against the market

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

NSF / Returned Item
Gowanda Area Federal Credit Union: $30
Gowanda Area Federal Credit Union: $30
U.S. median: no median
Stop Payment
Gowanda Area Federal Credit Union: $30
Gowanda Area Federal Credit Union: $30
U.S. median: no median
Cashier's Check
Compared at $3, the middle of its prices
Gowanda Area Federal Credit Union: $2 to $4
Gowanda Area Federal Credit Union: $2 to $4
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, 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 York: Banks and credit unions headquartered in New York 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 Gowanda Area Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account - no activity in last 90 days$15
Not compared: Quarterly charge, not monthly
per quarter
Reconciliation Fees - After Prior Month$25
Not compared: Monthly charge, not per item
per month
Reconciliation Fees - Current and Prior Month$10
Reconciliation fees: Researching account activity$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Non-sufficient Funds (ACH)$30
per item

ATM & Card

ATM Debit replacement card$15
per item

Check Services

Mailed Teller Check$2
per item
Teller Check to 3rd Party$4
per item
Stop Payments$30
per item
Foreign Item deposit$10
per item

Digital & Electronic

Telephone Transfers$5
per item · No signature required/no receipt mailed

Cash & Deposit

Return Item$20
per item

Account Services

IRS Levy/Restraining Notices/Info Subpoena$20
per item
Letter of Protest$20
per item · Paid by requestor

Other Fees

Photocopies$2
per item
Duplicate Lien Release$15

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account - no activity in last 90 days	$15Not compared: Quarterly charge, not monthly	per quarter	None
Reconciliation Fees - After Prior Month	$25Not compared: Monthly charge, not per item	per month	None
Reconciliation Fees - Current and Prior Month	$10	Not stated	None
Reconciliation fees: Researching account activity	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Non-sufficient Funds (ACH)	$30	per item	None
ATM & Card
ATM Debit replacement card	$15	per item	None
Check Services
Mailed Teller Check	$2	per item	None
Teller Check to 3rd Party	$4	per item	None
Stop Payments	$30	per item	None
Foreign Item deposit	$10	per item	None
Digital & Electronic
Telephone Transfers	$5	per item	No signature required/no receipt mailed
Cash & Deposit
Return Item	$20	per item	None
Account Services
IRS Levy/Restraining Notices/Info Subpoena	$20	per item	None
Letter of Protest	$20	per item	Paid by requestor
Other Fees
Photocopies	$2	per item	None
Duplicate Lien Release	$15	Not stated	None

Correct a fee source

Nov 4, 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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