Buffalo Metropolitan Federal Credit Union

Headquarters: Buffalo, New York
Charter: Credit Union
Assets: $143.9M
Fed district: New York

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

Source: its fee schedule, read Oct 16, 2026.

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Fees against the market

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

NSF / Returned Item
Compared at $30, the middle of its prices
Buffalo Metropolitan Federal Credit Union: $30 to $40
Buffalo Metropolitan Federal Credit Union: $30 to $40
U.S. median: no median
Non-Network ATM
Buffalo Metropolitan Federal Credit Union: $2
Buffalo Metropolitan Federal Credit Union: $2
U.S. median: no median
Wire Transfer (Domestic Out)
Buffalo Metropolitan Federal Credit Union: $25
Buffalo Metropolitan Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 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 Buffalo Metropolitan Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Low balance$5
per month
Account reconciliation/research$20
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Member Statement Fee$2
per month
Returned statement (bad address)$2

Overdraft & NSF

ACH non-sufficient funds$30
Checks returned non-sufficient funds$30
per item
CU Service Center returned check$40
per item

ATM & Card

ATM services at non-Credit Union$2
per transaction
Replacement Instant Issue Debit Card$20
per item
Replacement Mailed Debit or Credit Card$10
per item
Rushed Delivery Debit or Credit Card$50
per item
Foreign transaction fee1%of the transaction
per transaction
Foreign transactions1%of the transaction

Wire Transfers

Domestic wire transfer$25
per item
Incoming Wires$10
per item

Check Services

Cashier's check$5
Certified check$5
Money order$1.50
Stop payment order$30
per item
Foreign check acceptance$10

Cash & Deposit

Cash advance (audience not stated, treated as personal)3%of the advance

Account Services

Non-member notary$2
Restraining notice/subpoena$100

Gift & Prepaid Cards

Visa gift card activation$3.75
per item

Other Fees

Additional statement copies$2
Not compared: Monthly charge, not per item
per month
Photocopy$1
per item
Year round skip-a-loan-payment$20

Fee	Amount	Basis	Note
Account Maintenance
Low balance	$5	per month	None
Account reconciliation/research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Member Statement Fee	$2	per month	None
Returned statement (bad address)	$2	Not stated	None
Overdraft & NSF
ACH non-sufficient funds	$30	Not stated	None
Checks returned non-sufficient funds	$30	per item	None
CU Service Center returned check	$40	per item	None
ATM & Card
ATM services at non-Credit Union	$2	per transaction	None
Replacement Instant Issue Debit Card	$20	per item	None
Replacement Mailed Debit or Credit Card	$10	per item	None
Rushed Delivery Debit or Credit Card	$50	per item	None
Foreign transaction fee	1%of the transaction	per transaction	None
Foreign transactions	1%of the transaction	Not stated	None
Wire Transfers
Domestic wire transfer	$25	per item	None
Incoming Wires	$10	per item	None
Check Services
Cashier's check	$5	Not stated	None
Certified check	$5	Not stated	None
Money order	$1.50	Not stated	None
Stop payment order	$30	per item	None
Foreign check acceptance	$10	Not stated	None
Cash & Deposit
Cash advance (audience not stated, treated as personal)	3%of the advance	Not stated	None
Account Services
Non-member notary	$2	Not stated	None
Restraining notice/subpoena	$100	Not stated	None
Gift & Prepaid Cards
Visa gift card activation	$3.75	per item	None
Other Fees
Additional statement copies	$2Not compared: Monthly charge, not per item	per month	None
Photocopy	$1	per item	None
Year round skip-a-loan-payment	$20	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 16, 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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