Members Choice Wv Federal Credit Union

Headquarters: Charleston, West Virginia
Charter: Credit Union
Assets: $93.6M
Fed district: Richmond

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

Source: its fee schedule, read Oct 17, 2026.

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Fees against the market

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

Overdraft (OD)
Members Choice Wv Federal Credit Union: $25
Members Choice Wv Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Members Choice Wv Federal Credit Union: $25
Members Choice Wv Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Members Choice Wv Federal Credit Union: $20
Members Choice Wv Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

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

Account Maintenance

Early Account Closure$30
Inactive/Dormant Account$5
per month
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Incorrect Address$3
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

ACH Overdraft$25
per item
ATM Overdraft$25
per item
Debit Card Overdraft$25
per item
One-time Debit Overdraft$25
per item
Overdraft Advance Courtesy Pay$25
per item
Non-sufficient Funds (NSF)$25
per item
Overdraft Protection$5
per item

ATM & Card

Card Replacement (Debit or Credit)$10
per item
Currency Conversion for Debit/Credit Cards (audience not stated, treated as personal)1%of the transaction
Currency Conversion for Debit/Credit Cards1%of the transaction

Wire Transfers

Wire Transfer – Domestic$20
per item
Wire Transfer – International$50
per item

Check Services

Cashier’s Checks$3
per item
Money Order$1.50
per item
Cashier’s Check Stop Payment$40
Stop Payment$15
per item
Counter Checks$2
Check Copies$1
Not compared: Charged per page; comparison unavailable
per page

Digital & Electronic

Bill Pay – Account to Account Transfers (Outbound)$2
Not compared: Per-item charge, not monthly
per item
Bill Pay – Overnight$14.95
Not compared: Per-item charge, not monthly
per item
Bill Pay – Same Day Bill Pay$9.95
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Returned Item$20
per item

Account Services

Legal Process (tax levies, summons)$50
per item

Gift & Prepaid Cards

VISA Gift Cards$4
per item

Other Fees

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

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure	$30	Not stated	None
Inactive/Dormant Account	$5	per month	None
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Incorrect Address	$3Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
ACH Overdraft	$25	per item	None
ATM Overdraft	$25	per item	None
Debit Card Overdraft	$25	per item	None
One-time Debit Overdraft	$25	per item	None
Overdraft Advance Courtesy Pay	$25	per item	None
Non-sufficient Funds (NSF)	$25	per item	None
Overdraft Protection	$5	per item	None
ATM & Card
Card Replacement (Debit or Credit)	$10	per item	None
Currency Conversion for Debit/Credit Cards (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Currency Conversion for Debit/Credit Cards	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer – Domestic	$20	per item	None
Wire Transfer – International	$50	per item	None
Check Services
Cashier’s Checks	$3	per item	None
Money Order	$1.50	per item	None
Cashier’s Check Stop Payment	$40	Not stated	None
Stop Payment	$15	per item	None
Counter Checks	$2	Not stated	None
Check Copies	$1Not compared: Charged per page; comparison unavailable	per page	None
Digital & Electronic
Bill Pay – Account to Account Transfers (Outbound)	$2Not compared: Per-item charge, not monthly	per item	None
Bill Pay – Overnight	$14.95Not compared: Per-item charge, not monthly	per item	None
Bill Pay – Same Day Bill Pay	$9.95Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Returned Item	$20	per item	None
Account Services
Legal Process (tax levies, summons)	$50	per item	None
Gift & Prepaid Cards
VISA Gift Cards	$4	per item	None
Other Fees
Photocopy	$1Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$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 17, 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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