Richland Federal Credit Union

Headquarters: Sidney, Montana
Charter: Credit Union
Assets: $118.9M
Fed district: Minneapolis

18 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
Richland Federal Credit Union: $2
Richland Federal Credit Union: $2
U.S. median: no median
Non-Network ATM
Compared at $2, the middle of its prices
Richland Federal Credit Union: $1 to $3
Richland Federal Credit Union: $1 to $3
U.S. median: no median
Foreign Transaction
Compared at $2, the middle of its prices
Richland Federal Credit Union: $1 to $3
Richland Federal Credit Union: $1 to $3
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 Montana, 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).
Montana: Banks and credit unions headquartered in Montana 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 Richland Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$2
per month
Primary Share Account Closed Within 90 Days of Opening$15
Account Research/ Balancing Assistance$30
Not compared: Charged per hour; comparison unavailable
per hour
For each statement needed to reconcile$2
per item
Reconcile StatementNo charge
Address Corrections – Returned Statement$5

Overdraft & NSF

Overdraft Protection$5
Overdraft transfer from loan$5
Overdraft transfer from shares$5

ATM & Card

ATM card usage fee – first 3 foreign transactions free per month, thereafter$3
ATM card usage fee – first 3 foreign transactions free per month, thereafter$1
Card replacement$15
ATM card usage fee – first 3 foreign transactions free per month, thereafter$3
ATM card usage fee – first 3 foreign transactions free per month, thereafter$1

Check Services

Money Order$3
Stop Payment Order or Renewal$10
Copy of Share Draft$5

Digital & Electronic

Bill PayNo charge

Cash & Deposit

Deposited Checks Returned Unpaid$10
Night DepositNo charge

Account Services

Notary ServiceNo charge
Safe Deposit Boxes: Large (5 by 10)$40
per year
Safe Deposit Boxes: Medium (3 by 10)$30
per year
Safe Deposit Boxes: Small (3 by 5)$20
per year
Garnishment, Levy, or Execution$50

Other Fees

Photocopies$0.10
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$2	per month	None
Primary Share Account Closed Within 90 Days of Opening	$15	Not stated	None
Account Research/ Balancing Assistance	$30Not compared: Charged per hour; comparison unavailable	per hour	None
For each statement needed to reconcile	$2	per item	None
Reconcile Statement	No charge	Not stated	None
Address Corrections – Returned Statement	$5	Not stated	None
Overdraft & NSF
Overdraft Protection	$5	Not stated	None
Overdraft transfer from loan	$5	Not stated	None
Overdraft transfer from shares	$5	Not stated	None
ATM & Card
ATM card usage fee – first 3 foreign transactions free per month, thereafter	$3	Not stated	None
ATM card usage fee – first 3 foreign transactions free per month, thereafter	$1	Not stated	None
Card replacement	$15	Not stated	None
ATM card usage fee – first 3 foreign transactions free per month, thereafter	$3	Not stated	None
ATM card usage fee – first 3 foreign transactions free per month, thereafter	$1	Not stated	None
Check Services
Money Order	$3	Not stated	None
Stop Payment Order or Renewal	$10	Not stated	None
Copy of Share Draft	$5	Not stated	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Cash & Deposit
Deposited Checks Returned Unpaid	$10	Not stated	None
Night Deposit	No charge	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Safe Deposit Boxes: Large (5 by 10)	$40	per year	None
Safe Deposit Boxes: Medium (3 by 10)	$30	per year	None
Safe Deposit Boxes: Small (3 by 5)	$20	per year	None
Garnishment, Levy, or Execution	$50	Not stated	None
Other Fees
Photocopies	$0.10	per item	None

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.

Fee change alerts

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