Western Vista Federal Credit Union

Headquarters: Cheyenne, Wyoming
Charter: Credit Union
Assets: $280.8M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 23, 2026.

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Fees against the market

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

Monthly Maintenance
Western Vista Federal Credit Union: $15
Western Vista Federal Credit Union: $15
U.S. median: no median
Overdraft (OD)
Western Vista Federal Credit Union: $30
Western Vista Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Western Vista Federal Credit Union: $30
Western Vista Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 2026View sources

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

Account Maintenance

Liquid Gold service charge$15
per month
Monthly low balance fee$15
per month
Account closed within 90 days of opening$15
Administration on escheat accounts$25
Account research/reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Bad address$25
per month

Overdraft & NSF

Courtesy Pay$30
NSF (check/ACH/debit/bill pay)$30

ATM & Card

Debit card replacement - instant issue$20
Debit card replacement - mail$15
Debit card replacement - overnight mail$50

Wire Transfers

Outgoing wire transfer$25
Incoming wire transfer$15

Check Services

Official check$5
Stop payment (series of items)$30
per item
Stop payment (single item)$25
Stop payment on official check$25
Starter checks$3
per item
Canadian item deposited$30
Collection item$20
Copy of deposited item$5

Digital & Electronic

ACH origination (one time to or from another financial institution)$25

Cash & Deposit

Deposited item return$15
per item

Account Services

Lost key$10
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$70
per year
Safe Deposit Box 3x10$40
per year
Safe Deposit Box 3x5$20
per year
Safe Deposit Box 5x10$50
per year
Safe Deposit Box 5x5$30
per year
Garnishment/levy/executions$50
per item

Retirement & IRA

IRA transfer (outgoing)$20

Gift & Prepaid Cards

Gift card$4.95
Travel card reload$3.95

Fee	Amount	Basis	Note
Account Maintenance
Liquid Gold service charge	$15	per month	None
Monthly low balance fee	$15	per month	None
Account closed within 90 days of opening	$15	Not stated	None
Administration on escheat accounts	$25	Not stated	None
Account research/reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Bad address	$25	per month	None
Overdraft & NSF
Courtesy Pay	$30	Not stated	None
NSF (check/ACH/debit/bill pay)	$30	Not stated	None
ATM & Card
Debit card replacement - instant issue	$20	Not stated	None
Debit card replacement - mail	$15	Not stated	None
Debit card replacement - overnight mail	$50	Not stated	None
Wire Transfers
Outgoing wire transfer	$25	Not stated	None
Incoming wire transfer	$15	Not stated	None
Check Services
Official check	$5	Not stated	None
Stop payment (series of items)	$30	per item	None
Stop payment (single item)	$25	Not stated	None
Stop payment on official check	$25	Not stated	None
Starter checks	$3	per item	None
Canadian item deposited	$30	Not stated	None
Collection item	$20	Not stated	None
Copy of deposited item	$5	Not stated	None
Digital & Electronic
ACH origination (one time to or from another financial institution)	$25	Not stated	None
Cash & Deposit
Deposited item return	$15	per item	None
Account Services
Lost key	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$70	per year	None
Safe Deposit Box 3x10	$40	per year	None
Safe Deposit Box 3x5	$20	per year	None
Safe Deposit Box 5x10	$50	per year	None
Safe Deposit Box 5x5	$30	per year	None
Garnishment/levy/executions	$50	per item	None
Retirement & IRA
IRA transfer (outgoing)	$20	Not stated	None
Gift & Prepaid Cards
Gift card	$4.95	Not stated	None
Travel card reload	$3.95	Not stated	None

Correct a fee source

Oct 23, 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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