People'S Alliance Federal Credit Union

Headquarters: Hauppauge, New York
Charter: Credit Union
Assets: $322.2M
Fed district: New York

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

Source: its fee schedule, read Oct 9, 2026.

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Fees against the market

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

Monthly Maintenance
People'S Alliance Federal Credit Union: No fee
People'S Alliance Federal Credit Union: No fee
U.S. median: no median
Overdraft (OD)
People'S Alliance Federal Credit Union: $32
People'S Alliance Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
People'S Alliance Federal Credit Union: $32
People'S Alliance Federal Credit Union: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 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 People'S Alliance Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly FeeNo charge
per month
Monthly Inactive Fee (accounts with less than $100)$15
per month
Checking Account Reconciliation$40
Research Fee$40
Return Mail$5

Overdraft & NSF

Courtesy Pay (per occurrence)$32
per item
Debit Overdraft$32
Returned Item (per occurence)$32
per item
Overdraft Transfer Fee (From Savings)$7

ATM & Card

ATM$1.50
Replacement Card$10

Wire Transfers

Wire Transfers: Domestic Outgoing$25
Wire Transfers: Incoming$5
Wire Transfers: International Outgoing$50

Check Services

Certified Check$5
Teller Check$5
Money Orders (up to $1,000)$3.50
ACH Stop Payment$30
Stop Payment$30
Temporary Check (12 Checks)$5
per item
Check Collection Item$5
Check Copy$5
Official Check/Teller Check Photocopy$5

Digital & Electronic

Bill Pay Overnight Payment$14.95
Bill Pay Same Day Electronic Payment$9.95

Cash & Deposit

Returned Deposit Item$25

Account Services

Tax Levy Processing$50
Subpoena$75
Account Verification$5

Lending Fees

Late Charge on Mortgage Payment4%
Late Charge on Mortgage Payment (audience not stated, treated as personal)4%
Late Payment Fee5%($10 minimum)
Late Payment Fee (audience not stated, treated as personal)5%($10 minimum)

Gift & Prepaid Cards

Mastercard Gift Card$3.95

Other Fees

Statement Copy/Duplicate Document$5
Mortgage Subordination Preparation$300
Skip Payment Fee$30

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	No charge	per month	None
Monthly Inactive Fee (accounts with less than $100)	$15	per month	None
Checking Account Reconciliation	$40	Not stated	None
Research Fee	$40	Not stated	None
Return Mail	$5	Not stated	None
Overdraft & NSF
Courtesy Pay (per occurrence)	$32	per item	None
Debit Overdraft	$32	Not stated	None
Returned Item (per occurence)	$32	per item	None
Overdraft Transfer Fee (From Savings)	$7	Not stated	None
ATM & Card
ATM	$1.50	Not stated	None
Replacement Card	$10	Not stated	None
Wire Transfers
Wire Transfers: Domestic Outgoing	$25	Not stated	None
Wire Transfers: Incoming	$5	Not stated	None
Wire Transfers: International Outgoing	$50	Not stated	None
Check Services
Certified Check	$5	Not stated	None
Teller Check	$5	Not stated	None
Money Orders (up to $1,000)	$3.50	Not stated	None
ACH Stop Payment	$30	Not stated	None
Stop Payment	$30	Not stated	None
Temporary Check (12 Checks)	$5	per item	None
Check Collection Item	$5	Not stated	None
Check Copy	$5	Not stated	None
Official Check/Teller Check Photocopy	$5	Not stated	None
Digital & Electronic
Bill Pay Overnight Payment	$14.95	Not stated	None
Bill Pay Same Day Electronic Payment	$9.95	Not stated	None
Cash & Deposit
Returned Deposit Item	$25	Not stated	None
Account Services
Tax Levy Processing	$50	Not stated	None
Subpoena	$75	Not stated	None
Account Verification	$5	Not stated	None
Lending Fees
Late Charge on Mortgage Payment	4%	Not stated	None
Late Charge on Mortgage Payment (audience not stated, treated as personal)	4%	Not stated	None
Late Payment Fee	5%($10 minimum)	Not stated	None
Late Payment Fee (audience not stated, treated as personal)	5%($10 minimum)	Not stated	None
Gift & Prepaid Cards
Mastercard Gift Card	$3.95	Not stated	None
Other Fees
Statement Copy/Duplicate Document	$5	Not stated	None
Mortgage Subordination Preparation	$300	Not stated	None
Skip Payment Fee	$30	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 9, 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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