Niagara Regional Federal Credit Union

Headquarters: North Tonawanda, New York
Charter: Credit Union
Assets: $40.1M
Fed district: New York

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

Source: its fee schedule, read Oct 20, 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
Niagara Regional Federal Credit Union: $40
Niagara Regional Federal Credit Union: $40
U.S. median: no median
Stop Payment
Niagara Regional Federal Credit Union: $35
Niagara Regional Federal Credit Union: $35
U.S. median: no median
Cashier's Check
Niagara Regional Federal Credit Union: $5
Niagara Regional Federal Credit Union: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 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 Niagara Regional Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Closure (within 6 months)$25
Abandoned Property Fee$25
Dormant Account Fee (dormant fees take effect after 1 year of inactivity)$10
per month
Account Reconciliation$30
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$30
Address Search$5
Not compared: One-time charge, not monthly
one time

Overdraft & NSF

NSF Fee$40
Negative Balance Fee$35

ATM & Card

Debit Card Replacement$20
Debit Card Replacement (3+)$22

Check Services

Teller Check (under $10,000.00)$5
Corporate Check Stop Payment$35
Check Cashing Fee$5
Non-Member Check Cashing Fee$20
Copy of Check or Draft$2
per item
Retrieval Request/Copy of Merchant Sales Draft Fee$5
per item

Digital & Electronic

Insufficient Funds (check, ACH, or returned item)$35
per item
Bill Pay Fee (after 3 month's inactivity)$4.50
per month

Cash & Deposit

Deposited Item Returned$35
per item

Account Services

Tax Levy/Garnishment/Restraining Notice$25

Lending Fees

Late Fee$35

Other Fees

Duplicate Statement$5
Not compared: Monthly charge, not per item
per month
Member Fax$5
per item
Statement Reprint Fee$5

Fee	Amount	Basis	Note
Account Maintenance
Early Closure (within 6 months)	$25	Not stated	None
Abandoned Property Fee	$25	Not stated	None
Dormant Account Fee (dormant fees take effect after 1 year of inactivity)	$10	per month	None
Account Reconciliation	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$30	Not stated	None
Address Search	$5Not compared: One-time charge, not monthly	one time	None
Overdraft & NSF
NSF Fee	$40	Not stated	None
Negative Balance Fee	$35	Not stated	None
ATM & Card
Debit Card Replacement	$20	Not stated	None
Debit Card Replacement (3+)	$22	Not stated	None
Check Services
Teller Check (under $10,000.00)	$5	Not stated	None
Corporate Check Stop Payment	$35	Not stated	None
Check Cashing Fee	$5	Not stated	None
Non-Member Check Cashing Fee	$20	Not stated	None
Copy of Check or Draft	$2	per item	None
Retrieval Request/Copy of Merchant Sales Draft Fee	$5	per item	None
Digital & Electronic
Insufficient Funds (check, ACH, or returned item)	$35	per item	None
Bill Pay Fee (after 3 month's inactivity)	$4.50	per month	None
Cash & Deposit
Deposited Item Returned	$35	per item	None
Account Services
Tax Levy/Garnishment/Restraining Notice	$25	Not stated	None
Lending Fees
Late Fee	$35	Not stated	None
Other Fees
Duplicate Statement	$5Not compared: Monthly charge, not per item	per month	None
Member Fax	$5	per item	None
Statement Reprint Fee	$5	Not stated	None

Correct a fee source

Oct 20, 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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