Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, $1B to $10B

Black Hills Federal Credit Union

Rapid City, South DakotaCredit UnionMinneapolis Fed districtFees collected Apr 22, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

More than 6 per calendar month, per transaction$1Below the typical range ($5–$12.25 nationally)

per transaction · Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=minimum_balance; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="More than 6 per calendar month, per transaction ....................... $1.00 | (If $1,500 minimum balance not maintained)" · Source

Positive Pay (ACH Only), monthly fee – prior month$25

$18.87 above the national median

per month · Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=monthly_maintenance; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Positive Pay (ACH Only), monthly fee – prior month .......................... $25.00" · Source

Positive Pay (Check & ACH), monthly fee – prior month$50

$43.87 above the national median

per month · Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=monthly_maintenance; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Positive Pay (Check & ACH), monthly fee – prior month ................... $50.00" · Source

Positive Pay (Check Only), monthly fee – prior month$30

$23.87 above the national median

per month · Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=monthly_maintenance; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Positive Pay (Check Only), monthly fee – prior month ....................... $30.00" · Source

Overdraft & NSFVerified

Overdraft by ATM Withdrawal, per item$25Within the typical range ($20–$30 nationally)
$3 below the national median
per item · Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=overdraft; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Overdraft by ATM Withdrawal, per item*........................................... $25.00 | ULTIMATE BUSINESS SHARE DRAFT/" · Source
Overdraft Paid, | Escheatment Fee$50Above the typical range ($20–$30 nationally)
$22 above the national median
Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=overdraft; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Overdraft Paid, | Escheatment Fee...................................................................... $50.00" · Source

Wire TransfersVerified

Domestic Outgoing (without instructions), per wire$25Within the typical range ($20–$25 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=wire_domestic_outgoing; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Domestic Outgoing (without instructions), per wire................... $25.00" · Source
ONLINE BANKING +ACH | Domestic Outgoing (with instructions), per wire$15Below the typical range ($20–$25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=wire_domestic_outgoing; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="ONLINE BANKING +ACH | Domestic Outgoing (with instructions), per wire ........................ $15.00" · Source
Wire Transfer – International Outgoing, per wire……………………$45Within the typical range ($40–$50 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=wire_intl_outgoing; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Wire Transfer – International Outgoing, per wire…………………….. $45.00" · Source

Check ServicesVerified

Bill Pay Check Copy, per copy$10Above the typical range ($2–$5 nationally)
$7 above the national median
Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=check_image; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Bill Pay Check Copy, per copy ............................................................. $10.00" · Source
Bill Pay Stop Payment, per order$15Below the typical range ($20–$30 nationally)
$12 below the national median
Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=stop_payment; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Bill Pay Stop Payment, per order ......................................................... $15.00" · Source
Check Cashing, per individual payee, per visit$3Below the typical range ($5–$10 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=check_cashing; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Lock Bag, per bag ..................................................................................... $25.00 | Check Cashing, per individual payee, per visit ...................." · Source
Check Printing (Depends on style selected) .................................... Varies | Foreign, per item$25Above the typical range ($2–$20 nationally)
$20 above the national median
per item · Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=check_printing; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Check Printing (Depends on style selected) .................................... Varies | Foreign, per item ....................................................................... $" · Source
Lock Bag, per bag$25Above the typical range ($5–$10 nationally)
$20 above the national median
Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=check_cashing; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Lock Bag, per bag ..................................................................................... $25.00 | Check Cashing, per individual payee, per visit ...................." · Source
Money Order, per item$3Within the typical range ($2–$3.50 nationally)
$1 above the national median
per item · Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=money_order; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Money Order, per item ............................................................................... $3.00" · Source
Stop Payment Order, | Subordination of Mortgage, per subordination$50Above the typical range ($20–$30 nationally)
$23 above the national median
Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=stop_payment; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Stop Payment Order, | Subordination of Mortgage, per subordination .................................. $50.00" · Source

Digital & ElectronicVerified

ACH Return Fee (ACH ORIG RETURN), per item$5Below the typical range ($15–$30 nationally)
$20 below the national median
per item · Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=ach_return; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="ACH Return Fee (ACH ORIG RETURN), per item ........................... $5.00" · Source
Bill Pay Overnight Check, per payment$20Above the typical range ($0–$12.50 nationally)
$15 above the national median
Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=bill_pay; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Bill Pay Overnight Check, per payment .............................................. $20.00" · Source
Bill Pay Same Day Bill Payment, per payment$10Within the typical range ($0–$12.50 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=bill_pay; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Bill Pay Same Day Bill Payment, per payment ................................. $10.00" · Source

Account ServicesVerified

Account Balance Inquiry, per inquiry$0.50Below the typical range ($1–$2 nationally)
$0.75 below the national median
Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=balance_inquiry; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Account Balance Inquiry, per inquiry.................................................... $0.50 | being used, and over 18 years of age)" · Source
Courtesy Pay, per item (BUSINESS CHECK)..……..….. …………$25Within the typical range ($25–$75 nationally)
$25 below the national median
per item · Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=garnishment_levy; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Courtesy Pay, per item* (BUSINESS CHECK)..……..….. …………..$25.00 | Compliance with Legal Order/Levy, each ....................................... $25.00" · Source

Lending FeesVerified

International (Foreign) Single Currency Transaction, per transaction | Consumer Loan Extension, per extension$25Within the typical range ($25–$50 nationally)
$10 below the national median
per transaction · Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=loan_origination; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="International (Foreign) Single Currency Transaction, per transaction | Consumer Loan Extension, per extension ......................................... $25.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
More than 6 per calendar month, per transaction	$1Below the typical range ($5–$12.25 nationally)	$5 below the national median	per transaction	Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=minimum_balance; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="More than 6 per calendar month, per transaction ....................... $1.00 \| (If $1,500 minimum balance not maintained)"	Source
Positive Pay (ACH Only), monthly fee – prior month	$25Above the typical range ($4–$12.63 nationally)	$18.87 above the national median	per month	Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=monthly_maintenance; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Positive Pay (ACH Only), monthly fee – prior month .......................... $25.00"	Source
Positive Pay (Check & ACH), monthly fee – prior month	$50Above the typical range ($4–$12.63 nationally)	$43.87 above the national median	per month	Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=monthly_maintenance; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Positive Pay (Check & ACH), monthly fee – prior month ................... $50.00"	Source
Positive Pay (Check Only), monthly fee – prior month	$30Above the typical range ($4–$12.63 nationally)	$23.87 above the national median	per month	Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=monthly_maintenance; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Positive Pay (Check Only), monthly fee – prior month ....................... $30.00"	Source
Overdraft & NSFVerified
Overdraft by ATM Withdrawal, per item	$25Within the typical range ($20–$30 nationally)	$3 below the national median	per item	Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=overdraft; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Overdraft by ATM Withdrawal, per item*........................................... $25.00 \| ULTIMATE BUSINESS SHARE DRAFT/"	Source
Wire TransfersVerified
Domestic Outgoing (without instructions), per wire	$25Within the typical range ($20–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=wire_domestic_outgoing; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Domestic Outgoing (without instructions), per wire................... $25.00"	Source
Check ServicesVerified
Bill Pay Check Copy, per copy	$10Above the typical range ($2–$5 nationally)	$7 above the national median	—	Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=check_image; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Bill Pay Check Copy, per copy ............................................................. $10.00"	Source

Digital & ElectronicVerified
ACH Return Fee (ACH ORIG RETURN), per item	$5Below the typical range ($15–$30 nationally)	$20 below the national median	per item	Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=ach_return; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="ACH Return Fee (ACH ORIG RETURN), per item ........................... $5.00"	Source

Account ServicesVerified
Account Balance Inquiry, per inquiry	$0.50Below the typical range ($1–$2 nationally)	$0.75 below the national median	—	Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=balance_inquiry; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="Account Balance Inquiry, per inquiry.................................................... $0.50 \| being used, and over 18 years of age)"	Source
Lending FeesVerified
International (Foreign) Single Currency Transaction, per transaction \| Consumer Loan Extension, per extension	$25Within the typical range ($25–$50 nationally)	$10 below the national median	per transaction	Knox deterministic extraction from Rosetta artifact #3392. canonical_hint=loan_origination; text_hash=3e81ad507aa73117e440ee13940699012242fbd513e239ef94e56e0613a9201a; excerpt="International (Foreign) Single Currency Transaction, per transaction \| Consumer Loan Extension, per extension ......................................... $25.00"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$25

Overdraft fee: $25

11% below the national median overdraft fee

Total fees: 22 — leaner than most institutions

Verified fees

Under review

Assets

$2.4B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$2.4B

Total deposits

$2.1B

Service charge income (year to date)

$4.8M

Fee income ratio

6.6%

Return on assets

0.47%

Financial profile · Pro

Performance from regulator filings

Bill Pay Stop Payment, per order

Bill Pay Overnight Check, per payment

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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