Tandem Federal Credit Union

Headquarters: Warren, Michigan
Charter: Credit Union
Assets: $22.3M
Fed district: Chicago

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

Source: its fee schedule, read Oct 6, 2026.

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Fees against the market

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

Overdraft (OD)
Tandem Federal Credit Union: $30
Tandem Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Tandem Federal Credit Union: $30
Tandem Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Leaves out 1 fee charged on a different basis filed under this fee.
Tandem Federal Credit Union: $3
Tandem Federal Credit Union: $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

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

Account Maintenance

Close Account (Within 6 Months)$12
Escheat Fee$30
Inactive Account Fee$5
per month
Account Reconciliation Fee$10
Not compared: Charged per hour; comparison unavailable
per hour
Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF Fee & Courtesy Pay Fee$30
per item
Returned Check & Stop Payment Fee$30
per item

ATM & Card

Nonproprietary ATM Withdrawal/Transfer Fee (audience not stated, treated as personal)$3
per transaction
Tandem Machines ATM Fee > 5 Monthly$3
Not compared: Monthly charge, not per item
per month
Replace Lost or Stolen ATM or Debit Cards$20
Replace Lost or Stolen VISA$10

Check Services

Money Order$2
per item
Stop Payment Fee$30
per item
Check Cashing Fee for Non-Members$5
per item
Check Copy Fee$4
per item

Digital & Electronic

ACH/EFT Return Charge Fee$30
Bill Pay/Pop Money$5

Account Services

Garnishment/Levy's Fee$40
Verification Forms$10

Retirement & IRA

IRA Account Early Withdrawal Fee$100
per transaction

Other Fees

Statement Copy Fee$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Close Account (Within 6 Months)	$12	Not stated	None
Escheat Fee	$30	Not stated	None
Inactive Account Fee	$5	per month	None
Account Reconciliation Fee	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF Fee & Courtesy Pay Fee	$30	per item	None
Returned Check & Stop Payment Fee	$30	per item	None
ATM & Card
Nonproprietary ATM Withdrawal/Transfer Fee (audience not stated, treated as personal)	$3	per transaction	None
Tandem Machines ATM Fee > 5 Monthly	$3Not compared: Monthly charge, not per item	per month	None
Replace Lost or Stolen ATM or Debit Cards	$20	Not stated	None
Replace Lost or Stolen VISA	$10	Not stated	None
Check Services
Money Order	$2	per item	None
Stop Payment Fee	$30	per item	None
Check Cashing Fee for Non-Members	$5	per item	None
Check Copy Fee	$4	per item	None
Digital & Electronic
ACH/EFT Return Charge Fee	$30	Not stated	None
Bill Pay/Pop Money	$5	Not stated	None
Account Services
Garnishment/Levy's Fee	$40	Not stated	None
Verification Forms	$10	Not stated	None
Retirement & IRA
IRA Account Early Withdrawal Fee	$100	per transaction	None
Other Fees
Statement Copy Fee	$1Not compared: Charged per page; comparison unavailable	per page	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 6, 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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