Bluestone Federal Credit Union

Headquarters: Sioux Falls, South Dakota
Charter: Credit Union
Assets: $205.6M
Fed district: Minneapolis

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Monthly Maintenance
Dividend Bearing Checking Account $5 to $10
Compared at $7.50, the middle of its prices
Bluestone Federal Credit Union: $5 to $10
Bluestone Federal Credit Union: $5 to $10
U.S. median: no median
Overdraft (OD)
Bluestone Federal Credit Union: $25
Bluestone Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Bluestone Federal Credit Union: $25
Bluestone Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for South Dakota, the Minneapolis 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).
South Dakota: Banks and credit unions headquartered in South Dakota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 Bluestone Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dividend Bearing Checking Account Monthly service fee$5
per month
Monthly service fee$10
per month
Money Market Share Draft (balance falls below $10,000)$10
per month
Inactive Account$5
per month
Account Reconciliation / Checkbook Balancing$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation / Checkbook Balancing | $20.00 per hour (Fee)
Returned Mail (per month)$5
per month

Overdraft & NSF

NSF Share Draft (Honored)$25
per item
NSF Share Draft (Returned)$25
per item
Overdraft Transfer From Savings$3
per item
Transfer From Overdraft Protection LoanNo charge
NSF Daily Cap (audience not stated, treated as personal)$100
per day · Max $100 per day for NSF returned items

ATM & Card

Foreign ATM Terminals$2
per item
Debit Card Replacement$10
per item

Wire Transfers

Wire Transfer: Outgoing Domestic$20
per item
Wire Transfer: Incoming$5
per item
Wire Transfer: Outgoing International$50
per item

Check Services

Cashiers Checks$4
per item
Money Orders$2
per item
Stop Payments$25
per item
Check Cashing Fee2%
Check Cashing Fee (audience not stated, treated as personal)2%
Photocopy of Money Order$5
per item
Share Draft Copy$1
per item

Cash & Deposit

Cash Advance: Non-Member$10

Lending Fees

Credit Card Late Fee$12.50
Not compared: Monthly charge, not per item
per month
Loan Late Fee$10
MASTERCARD Credit Card Late Fee$12.50
Not compared: Monthly charge, not per item
per month

Gift & Prepaid Cards

Gift Cards$3
per item

Other Fees

Copy of Charge Slip$5
per item
Copy of Credit Card Sales Receipt$5
per item
Fax Service$1
Not compared: Charged per page; comparison unavailable
per page · Fax Service | $1.00 per page (Fee)
Photocopy$0.25
Not compared: Charged per page; comparison unavailable
per page · Photocopy | $0.25 per page (Fee)
Statement Copy$1
Not compared: Charged per page; comparison unavailable
per page · Statement Copy | $1.00 per page – Free via It’sMe247 (Fee)
Mortgage Payoff Statement (does not apply to CU Mortgage Direct LLC)$12.50

Fee	Amount	Basis	Note
Account Maintenance
Dividend Bearing Checking Account Monthly service fee	$5	per month	None
Monthly service fee	$10	per month	None
Money Market Share Draft (balance falls below $10,000)	$10	per month	None
Inactive Account	$5	per month	None
Account Reconciliation / Checkbook Balancing	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation / Checkbook Balancing \| $20.00 per hour (Fee)
Returned Mail (per month)	$5	per month	None
Overdraft & NSF
NSF Share Draft (Honored)	$25	per item	None
NSF Share Draft (Returned)	$25	per item	None
Overdraft Transfer From Savings	$3	per item	None
Transfer From Overdraft Protection Loan	No charge	Not stated	None
NSF Daily Cap (audience not stated, treated as personal)	$100	per day	Max $100 per day for NSF returned items
ATM & Card
Foreign ATM Terminals	$2	per item	None
Debit Card Replacement	$10	per item	None
Wire Transfers
Wire Transfer: Outgoing Domestic	$20	per item	None
Wire Transfer: Incoming	$5	per item	None
Wire Transfer: Outgoing International	$50	per item	None
Check Services
Cashiers Checks	$4	per item	None
Money Orders	$2	per item	None
Stop Payments	$25	per item	None
Check Cashing Fee	2%	Not stated	None
Check Cashing Fee (audience not stated, treated as personal)	2%	Not stated	None
Photocopy of Money Order	$5	per item	None
Share Draft Copy	$1	per item	None
Cash & Deposit
Cash Advance: Non-Member	$10	Not stated	None
Lending Fees
Credit Card Late Fee	$12.50Not compared: Monthly charge, not per item	per month	None
Loan Late Fee	$10	Not stated	None
MASTERCARD Credit Card Late Fee	$12.50Not compared: Monthly charge, not per item	per month	None
Gift & Prepaid Cards
Gift Cards	$3	per item	None
Other Fees
Copy of Charge Slip	$5	per item	None
Copy of Credit Card Sales Receipt	$5	per item	None
Fax Service	$1Not compared: Charged per page; comparison unavailable	per page	Fax Service \| $1.00 per page (Fee)
Photocopy	$0.25Not compared: Charged per page; comparison unavailable	per page	Photocopy \| $0.25 per page (Fee)
Statement Copy	$1Not compared: Charged per page; comparison unavailable	per page	Statement Copy \| $1.00 per page – Free via It’sMe247 (Fee)
Mortgage Payoff Statement (does not apply to CU Mortgage Direct LLC)	$12.50	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

Nov 1, 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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