19 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 11, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Classic Checking $4.95 · ProtectPlus Checking $9.95
Compared at $7.45, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from Kinecta Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per hour · Record Research (Per Hour) ..................................................................................................................................................................................................... $24.00
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Classic Checking Monthly Service Fee (audience not stated, treated as personal) | $4.95 | per month | None |
| ProtectPlus Checking Monthly Service Fee (audience not stated, treated as personal) | $9.95 | per month | None |
| Inactive Checking Account (audience not stated, treated as personal) | $5 | Not stated | None |
| Record Research (Per Hour) | $24Not compared: Charged per hour; comparison unavailable | per hour | Record Research (Per Hour) ..................................................................................................................................................................................................... $24.00 |
| Paper Statement (audience not stated, treated as personal) | $2 | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay Fee / Select Accept Fee (audience not stated, treated as personal) | $25 | Not stated | None |
| Nonsufficient Funds (NSF) Fee (audience not stated, treated as personal) | $25 | Not stated | None |
ATM & Card | |||
| Non-Proprietary ATM Fees: Cash Withdrawals | $2 | Not stated | None |
| Rush Card Order | $25 | per item | None |
Wire Transfers | |||
| Wire Transfer Fee - Domestic Outgoing | $25 | per item | None |
| Wire Transfer Fees (Per Wire): Domestic — Outgoing (audience not stated, treated as personal) | $25 | Not stated | None |
Check Services | |||
| Cashier’s Checks (audience not stated, treated as personal) | $5 | Not stated | None |
| Stop Payment Fee (audience not stated, treated as personal) | $20 | Not stated | None |
| Temporary Checks (Per four (4) checks) (audience not stated, treated as personal) | $3 | Not stated | None |
| Check Cashing Fee (audience not stated, treated as personal) | $5 | Not stated | None |
| Collection Items: Incoming (audience not stated, treated as personal) | $25 | Not stated | None |
| Collection Items: Outgoing Domestic | $25 | Not stated | None |
| Copy of Deposited Item (audience not stated, treated as personal) | $3.50 | Not stated | None |
Cash & Deposit | |||
| Returned Deposited Items: Written by account holder | $25 | Not stated | None |
Account Services | |||
| Box Drilled (audience not stated, treated as personal) | $175Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement (Per Lost Key) (audience not stated, treated as personal) | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10” x 10” | $140 | Not stated | None |
| Safe Deposit Box 2” x 5” | $40 | Not stated | None |
| Safe Deposit Box 3” x 10” | $80 | Not stated | None |
| Safe Deposit Box 3” x 5” | $55 | Not stated | None |
| Safe Deposit Box 5” x 10” | $100 | Not stated | None |
| Safe Deposit Box 5” x 5” | $65 | Not stated | None |
| Safe Deposit Box 6” x 10” | $105 | Not stated | None |
| Safe Deposit Box 8” x 10” | $110 | Not stated | None |
| Safe Deposit Box 9” x 9” (audience not stated, treated as personal) | $110 | Not stated | None |
| Compliance with Legal Orders: Labor Per hour | $24Not compared: Charged per hour; comparison unavailable | per hour | None |
| Verification of Deposit (audience not stated, treated as personal) | $10 | Not stated | None |
Retirement & IRA | |||
| IRA Closeout | $25 | Not stated | None |
| IRA Trustee Transfer (audience not stated, treated as personal) | $25 | Not stated | None |
Other Fees | |||
| Statement Copies (Per Statement) (audience not stated, treated as personal) | $5 | 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
Oct 11, 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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