Chiphone Federal Credit Union

Headquarters: Elkhart, Indiana
Charter: Credit Union
Assets: $111.8M
Fed district: Chicago

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

Source: its fee schedule, read Oct 10, 2026.

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Fees against the market

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

Monthly Maintenance
Chiphone Federal Credit Union: $15
Chiphone Federal Credit Union: $15
U.S. median: no median
Overdraft (OD)
Chiphone Federal Credit Union: $38
Chiphone Federal Credit Union: $38
U.S. median: no median
NSF / Returned Item
Chiphone Federal Credit Union: $38
Chiphone Federal Credit Union: $38
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

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

Account Maintenance

Monthly Service$15
per month
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Advance$38
Paper Statement mailed statement: POS/NSF$38
GENERAL FEES (applicable to all accounts): Overdraft$5
per item
Overdraft$5
per item

ATM & Card

Card Replacement$10
per item

Wire Transfers

Wire Transfer (Outgoing)$20
per transaction
Wire Transfer (Incoming)$15
Not compared: Daily charge, not per item
per day
Wire Transfer (International)$50

Check Services

Copy of a Bank Check$6
per item
Copy of Chiphone Share Draft$3
per item

Digital & Electronic

Bill Pay Reactivation$15
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Deposit Item Return$38

Account Services

Notary Service$2
10” x 10½” Box$65
per year
3” x 10½” Box$40
per year
5” x 10½” Box$45
per year
Key Replacement$50
Not compared: Box drilling or key fee
Safe Deposit Box 5” x 5”$30
per year
Garnishment Fee$20

Retirement & IRA

IRA Annual Fee$25
per year
IRA Termination$35

Gift & Prepaid Cards

Travel Card Reload$4.50
Visa Gift Card$3

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service	$15	per month	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Advance	$38	Not stated	None
Paper Statement mailed statement: POS/NSF	$38	Not stated	None
GENERAL FEES (applicable to all accounts): Overdraft	$5	per item	None
Overdraft	$5	per item	None
ATM & Card
Card Replacement	$10	per item	None
Wire Transfers
Wire Transfer (Outgoing)	$20	per transaction	None
Wire Transfer (Incoming)	$15Not compared: Daily charge, not per item	per day	None
Wire Transfer (International)	$50	Not stated	None
Check Services
Copy of a Bank Check	$6	per item	None
Copy of Chiphone Share Draft	$3	per item	None
Digital & Electronic
Bill Pay Reactivation	$15Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Deposit Item Return	$38	Not stated	None
Account Services
Notary Service	$2	Not stated	None
10” x 10½” Box	$65	per year	None
3” x 10½” Box	$40	per year	None
5” x 10½” Box	$45	per year	None
Key Replacement	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 5” x 5”	$30	per year	None
Garnishment Fee	$20	Not stated	None
Retirement & IRA
IRA Annual Fee	$25	per year	None
IRA Termination	$35	Not stated	None
Gift & Prepaid Cards
Travel Card Reload	$4.50	Not stated	None
Visa Gift Card	$3	Not stated	None

Correct a fee source

Oct 10, 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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