Greater Chautauqua Federal Credit Union

Headquarters: Falconer, New York
Charter: Credit Union
Assets: $102.3M
Fed district: New York

19 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.

Overdraft (OD)
Greater Chautauqua Federal Credit Union: $22
Greater Chautauqua Federal Credit Union: $22
U.S. median: no median
NSF / Returned Item
Greater Chautauqua Federal Credit Union: $22
Greater Chautauqua Federal Credit Union: $22
U.S. median: no median
Non-Network ATM
Greater Chautauqua Federal Credit Union: $0.55
Greater Chautauqua Federal Credit Union: $0.55
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 Greater Chautauqua Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Membership Closure within 90 days$5
Escheatment Fee (Funds released to NYS Abandoned Property after 3 Years)$50
Balancing of Account by GCFCU first time free$15
Not compared: Monthly charge, not per item
per month
Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Statement / Bad Address$5
per month

Overdraft & NSF

Courtesy Pay (C-Pay) Overdrafts$22
Non-Sufficient Funds (NSF)$22

ATM & Card

ATM withdrawal First 8 free$0.55
per item
Visa Debit Card replacement First time free$5
per item
Foreign Transaction Fee1%of the transaction
Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfers (within the U.S.)$15
Incoming Wire Transfers$10
International Wire Transfers$50

Check Services

Teller (Cashier's) Check or Certified Check$3
per item
Money Orders$1.25
Stop Payment$40
per item
Stop payment / check reissue (after 90 days)$10
per item
Stop Payment on check(s) and ACH's$22
Counter Checks$1
per item
Non-Member check cashing (checks drawn off member & GCFCU Corp. Acct.)$3
Copy of deposited items$3
Photocopy of cleared check$3
per item

Cash & Deposit

Returned Deposit Item$14.50
per item

Account Services

Subordination fee$75
one time · Plus recording and attorney fees

Retirement & IRA

IRA Certificate early withdrawal fee$50

Other Fees

Statement reprint$3
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Membership Closure within 90 days	$5	Not stated	None
Escheatment Fee (Funds released to NYS Abandoned Property after 3 Years)	$50	Not stated	None
Balancing of Account by GCFCU first time free	$15Not compared: Monthly charge, not per item	per month	None
Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Statement / Bad Address	$5	per month	None
Overdraft & NSF
Courtesy Pay (C-Pay) Overdrafts	$22	Not stated	None
Non-Sufficient Funds (NSF)	$22	Not stated	None
ATM & Card
ATM withdrawal First 8 free	$0.55	per item	None
Visa Debit Card replacement First time free	$5	per item	None
Foreign Transaction Fee	1%of the transaction	Not stated	None
Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers (within the U.S.)	$15	Not stated	None
Incoming Wire Transfers	$10	Not stated	None
International Wire Transfers	$50	Not stated	None
Check Services
Teller (Cashier's) Check or Certified Check	$3	per item	None
Money Orders	$1.25	Not stated	None
Stop Payment	$40	per item	None
Stop payment / check reissue (after 90 days)	$10	per item	None
Stop Payment on check(s) and ACH's	$22	Not stated	None
Counter Checks	$1	per item	None
Non-Member check cashing (checks drawn off member & GCFCU Corp. Acct.)	$3	Not stated	None
Copy of deposited items	$3	Not stated	None
Photocopy of cleared check	$3	per item	None
Cash & Deposit
Returned Deposit Item	$14.50	per item	None
Account Services
Subordination fee	$75	one time	Plus recording and attorney fees
Retirement & IRA
IRA Certificate early withdrawal fee	$50	Not stated	None
Other Fees
Statement reprint	$3Not compared: Monthly charge, not per item	per month	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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