21 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 4, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
NSF / Returned Item
Non-Network ATM
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas 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 Raiz Federal Credit Union’s own schedules, with a source for each figure.
per month
per hour · Account Reconciliation | $20.00 per hour
per hour · Account Research | $50.00 per hour
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure | $5 | Not stated | None |
| Inactive Account | $15 | per month | None |
| Account Reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation | $20.00 per hour |
| Account Research | $50Not compared: Charged per hour; comparison unavailable | per hour | Account Research | $50.00 per hour |
| Paper Statement Fee | $2.50 | per month | None |
Overdraft & NSF | |||
| Non-Sufficient Funds | $39.95 | per item | None |
| Overdraft Protection Transfer Fee (from deposit account) (audience not stated, treated as personal) | $10 | per item | None |
| Overdraft Protection Transfer Fee (from Line of Credit Advance in Increments of $100.00) (audience not stated, treated as personal) | $5 | per item | None |
ATM & Card | |||
| ATM Foreign Transaction | $5 | per item | None |
| MasterCard Debit Card Replacement | $5 | Not stated | None |
Wire Transfers | |||
| Wire Transfer (Outgoing) | $35 | per item | None |
| Wire Transfer (Incoming) | No charge | Not stated | None |
Check Services | |||
| Corporate/Cashier Check | $5 | per item | None |
| Stop Payment ACH/Corporate Check | $19.95 | per item | None |
| Stop Payment ACH/Personal Check | $19.95 | per item | None |
| Stop Payment for Series of Checks in Sequence | $19.95 | Not stated | None |
| Non-Member Check Cashing Fee | $15 | per item | None |
| Runner Collection for Insufficient Funds Fee | $10 | per item | None |
| Check Photocopy | $5 | per item | None |
Cash & Deposit | |||
| Non-Member Credit Card Cash Advance | $15 | per item | None |
Account Services | |||
| Notary Fee | $6 | Not stated | None |
| Both Keys Lost (Lock Replacement and/or Emergency Drill) (audience not stated, treated as personal) | $375Not compared: Box drilling or key fee | Not stated | None |
| Emergency Drill Schedule (Member No-Show) (audience not stated, treated as personal) | $375Not compared: Box drilling or key fee | Not stated | None |
| Lost Key (1) (audience not stated, treated as personal) | $15Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $100 | Not stated | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $50 | Not stated | None |
| Subordination (audience not stated, treated as personal) | $225 | Not stated | None |
| Verification of Deposit | $25 | per item | None |
Other Fees | |||
| Tax Document Copy Fee | $2.50 | Not stated | None |
| Lien Release Fee (audience not stated, treated as personal) | $20 | Not stated | None |
| Loan Modification (audience not stated, treated as personal) | $200 | Not stated | None |
| Payoff Quote Fee (audience not stated, treated as personal) | $25 | Not stated | None |
| Skip-A-Payment Fee | $30 | 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
per month
per hour · Account Reconciliation | $20.00 per hour
per hour · Account Research | $50.00 per hour
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure | $5 | Not stated | None |
| Inactive Account | $15 | per month | None |
| Account Reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation | $20.00 per hour |
| Account Research | $50Not compared: Charged per hour; comparison unavailable | per hour | Account Research | $50.00 per hour |
| Paper Statement Fee | $2.50 | per month | None |
Overdraft & NSF | |||
| Non-Sufficient Funds | $39.95 | per item | None |
ATM & Card | |||
| ATM Foreign Transaction | $5 | per item | None |
| MasterCard Debit Card Replacement | $5 | Not stated | None |
Wire Transfers | |||
| Wire Transfer (Outgoing) | $35 | per item | None |
| Wire Transfer (Incoming) | No charge | Not stated | None |
Check Services | |||
| Corporate/Cashier Check | $5 | per item | None |
| Stop Payment ACH/Corporate Check | $19.95 | per item | None |
| Stop Payment ACH/Personal Check | $19.95 | per item | None |
| Stop Payment for Series of Checks in Sequence | $19.95 | Not stated | None |
| Non-Member Check Cashing Fee | $15 | per item | None |
| Runner Collection for Insufficient Funds Fee | $10 | per item | None |
| Check Photocopy | $5 | per item | None |
Digital & Electronic | |||
| Business ACH (per batch) | $25 | Not stated | None |
Cash & Deposit | |||
| Non-Member Credit Card Cash Advance | $15 | per item | None |
Account Services | |||
| Notary Fee | $6 | Not stated | None |
| Verification of Deposit | $25 | per item | None |
Other Fees | |||
| Tax Document Copy Fee | $2.50 | Not stated | None |
| Skip-A-Payment Fee | $30 | per item | None |
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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