Fort Financial Federal Credit Union

Headquarters: Fort Wayne, Indiana
Charter: Credit Union
Assets: $397.3M
Fed district: Chicago

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

Source: its fee schedule, read Oct 30, 2026.

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Fees against the market

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

Monthly Maintenance
Interest Checking
Can be waived with a balance of $5,000 or more.
Fort Financial Federal Credit Union: $5
Fort Financial Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Fort Financial Federal Credit Union: $33
Fort Financial Federal Credit Union: $33
U.S. median: no median
NSF / Returned Item
Fort Financial Federal Credit Union: $33
Fort Financial Federal Credit Union: $33
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 30, 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 Fort Financial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Interest Checking Monthly service fee$5
per month
Inactive Account$5
per month
Account Reconciliation$15
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation: $15 per hour
Paper Statement Fee (audience not stated, treated as personal)$5
per month
Bad Address (audience not stated, treated as personal)$5
per month

Overdraft & NSF

NSF/Courtesy Pay (audience not stated, treated as personal)$33
per item
Return Check$33
per item
Overdraft Protection Transfer (audience not stated, treated as personal)$3
per item

ATM & Card

Non-Fort Financial ATM transaction fee$1
per transaction
Replacement Card$10

Wire Transfers

Wire Transfer: Outgoing$25
per item
Wire Transfer:: Outgoing$25
per item
Wire Transfer: Incoming$3
per item
Wire Transfer: International$65
per item

Check Services

Cashier’s Check$5
per item
Stop Payment Order (audience not stated, treated as personal)$33
per item
Non-member Check Cashing$5
Collection Fee (audience not stated, treated as personal)$302
Copy of Cancelled Check (audience not stated, treated as personal)$5
per item
Sales Draft Copy$5

Digital & Electronic

ACH Origination$4
Expedited Bill Pay$29.95

Account Services

Garnishment/Tax Levies$20

Other Fees

Mortgage Release Fee$25
per item
Subsequent Action/Loan Modification$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Interest Checking Monthly service fee	$5	per month	None
Inactive Account	$5	per month	None
Account Reconciliation	$15Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation: $15 per hour
Paper Statement Fee (audience not stated, treated as personal)	$5	per month	None
Bad Address (audience not stated, treated as personal)	$5	per month	None
Overdraft & NSF
NSF/Courtesy Pay (audience not stated, treated as personal)	$33	per item	None
Return Check	$33	per item	None
Overdraft Protection Transfer (audience not stated, treated as personal)	$3	per item	None
ATM & Card
Non-Fort Financial ATM transaction fee	$1	per transaction	None
Replacement Card	$10	Not stated	None
Wire Transfers
Wire Transfer: Outgoing	$25	per item	None
Wire Transfer:: Outgoing	$25	per item	None
Wire Transfer: Incoming	$3	per item	None
Wire Transfer: International	$65	per item	None
Check Services
Cashier’s Check	$5	per item	None
Stop Payment Order (audience not stated, treated as personal)	$33	per item	None
Non-member Check Cashing	$5	Not stated	None
Collection Fee (audience not stated, treated as personal)	$302	Not stated	None
Copy of Cancelled Check (audience not stated, treated as personal)	$5	per item	None
Sales Draft Copy	$5	Not stated	None
Digital & Electronic
ACH Origination	$4	Not stated	None
Expedited Bill Pay	$29.95	Not stated	None
Account Services
Garnishment/Tax Levies	$20	Not stated	None
Other Fees
Mortgage Release Fee	$25	per item	None
Subsequent Action/Loan Modification	$35	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Inactive Account$5
per month
Inactive Business Account Fee$5
per month
Account Reconciliation$15
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation: $15 per hour

Overdraft & NSF

Return Check$33
per item

ATM & Card

Replacement Card$10

Wire Transfers

Wire Transfer: Outgoing$25
per item
Wire Transfer:: Outgoing$25
per item
Wire Transfer: Incoming$3
per item
Wire Transfer: International$65
per item

Check Services

Cashier’s Check$5
per item
Non-member Check Cashing$5
Sales Draft Copy$5

Digital & Electronic

ACH Origination$4
Expedited Bill Pay$29.95

Account Services

Garnishment/Tax Levies$20

Other Fees

Mortgage Release Fee$25
per item
Subsequent Action/Loan Modification$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Inactive Account	$5	per month	None
Inactive Business Account Fee	$5	per month	None
Account Reconciliation	$15Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation: $15 per hour
Overdraft & NSF
Return Check	$33	per item	None
ATM & Card
Replacement Card	$10	Not stated	None
Wire Transfers
Wire Transfer: Outgoing	$25	per item	None
Wire Transfer:: Outgoing	$25	per item	None
Wire Transfer: Incoming	$3	per item	None
Wire Transfer: International	$65	per item	None
Check Services
Cashier’s Check	$5	per item	None
Non-member Check Cashing	$5	Not stated	None
Sales Draft Copy	$5	Not stated	None
Digital & Electronic
ACH Origination	$4	Not stated	None
Expedited Bill Pay	$29.95	Not stated	None
Account Services
Garnishment/Tax Levies	$20	Not stated	None
Other Fees
Mortgage Release Fee	$25	per item	None
Subsequent Action/Loan Modification	$35	per item	None

Correct a fee source

Oct 30, 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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Fees against the market

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

Monthly Maintenance
Interest Checking
Can be waived with a balance of $5,000 or more.
Fort Financial Federal Credit Union: $5
Fort Financial Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Fort Financial Federal Credit Union: $33
Fort Financial Federal Credit Union: $33
U.S. median: no median
NSF / Returned Item
Fort Financial Federal Credit Union: $33
Fort Financial Federal Credit Union: $33
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 30, 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.

Published fee schedule

Amounts from Fort Financial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Interest Checking Monthly service fee$5
per month
Inactive Account$5
per month
Account Reconciliation$15
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation: $15 per hour
Paper Statement Fee (audience not stated, treated as personal)$5
per month
Bad Address (audience not stated, treated as personal)$5
per month

Overdraft & NSF

NSF/Courtesy Pay (audience not stated, treated as personal)$33
per item
Return Check$33
per item
Overdraft Protection Transfer (audience not stated, treated as personal)$3
per item

ATM & Card

Non-Fort Financial ATM transaction fee$1
per transaction
Replacement Card$10

Wire Transfers

Wire Transfer: Outgoing$25
per item
Wire Transfer:: Outgoing$25
per item
Wire Transfer: Incoming$3
per item
Wire Transfer: International$65
per item

Check Services

Cashier’s Check$5
per item
Stop Payment Order (audience not stated, treated as personal)$33
per item
Non-member Check Cashing$5
Collection Fee (audience not stated, treated as personal)$302
Copy of Cancelled Check (audience not stated, treated as personal)$5
per item
Sales Draft Copy$5

Digital & Electronic

ACH Origination$4
Expedited Bill Pay$29.95

Account Services

Garnishment/Tax Levies$20

Other Fees

Mortgage Release Fee$25
per item
Subsequent Action/Loan Modification$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Interest Checking Monthly service fee	$5	per month	None
Inactive Account	$5	per month	None
Account Reconciliation	$15Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation: $15 per hour
Paper Statement Fee (audience not stated, treated as personal)	$5	per month	None
Bad Address (audience not stated, treated as personal)	$5	per month	None
Overdraft & NSF
NSF/Courtesy Pay (audience not stated, treated as personal)	$33	per item	None
Return Check	$33	per item	None
Overdraft Protection Transfer (audience not stated, treated as personal)	$3	per item	None
ATM & Card
Non-Fort Financial ATM transaction fee	$1	per transaction	None
Replacement Card	$10	Not stated	None
Wire Transfers
Wire Transfer: Outgoing	$25	per item	None
Wire Transfer:: Outgoing	$25	per item	None
Wire Transfer: Incoming	$3	per item	None
Wire Transfer: International	$65	per item	None
Check Services
Cashier’s Check	$5	per item	None
Stop Payment Order (audience not stated, treated as personal)	$33	per item	None
Non-member Check Cashing	$5	Not stated	None
Collection Fee (audience not stated, treated as personal)	$302	Not stated	None
Copy of Cancelled Check (audience not stated, treated as personal)	$5	per item	None
Sales Draft Copy	$5	Not stated	None
Digital & Electronic
ACH Origination	$4	Not stated	None
Expedited Bill Pay	$29.95	Not stated	None
Account Services
Garnishment/Tax Levies	$20	Not stated	None
Other Fees
Mortgage Release Fee	$25	per item	None
Subsequent Action/Loan Modification	$35	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Inactive Account$5
per month
Inactive Business Account Fee$5
per month
Account Reconciliation$15
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation: $15 per hour

Overdraft & NSF

Return Check$33
per item

ATM & Card

Replacement Card$10

Wire Transfers

Wire Transfer: Outgoing$25
per item
Wire Transfer:: Outgoing$25
per item
Wire Transfer: Incoming$3
per item
Wire Transfer: International$65
per item

Check Services

Cashier’s Check$5
per item
Non-member Check Cashing$5
Sales Draft Copy$5

Digital & Electronic

ACH Origination$4
Expedited Bill Pay$29.95

Account Services

Garnishment/Tax Levies$20

Other Fees

Mortgage Release Fee$25
per item
Subsequent Action/Loan Modification$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Inactive Account	$5	per month	None
Inactive Business Account Fee	$5	per month	None
Account Reconciliation	$15Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation: $15 per hour
Overdraft & NSF
Return Check	$33	per item	None
ATM & Card
Replacement Card	$10	Not stated	None
Wire Transfers
Wire Transfer: Outgoing	$25	per item	None
Wire Transfer:: Outgoing	$25	per item	None
Wire Transfer: Incoming	$3	per item	None
Wire Transfer: International	$65	per item	None
Check Services
Cashier’s Check	$5	per item	None
Non-member Check Cashing	$5	Not stated	None
Sales Draft Copy	$5	Not stated	None
Digital & Electronic
ACH Origination	$4	Not stated	None
Expedited Bill Pay	$29.95	Not stated	None
Account Services
Garnishment/Tax Levies	$20	Not stated	None
Other Fees
Mortgage Release Fee	$25	per item	None
Subsequent Action/Loan Modification	$35	per item	None

Correct a fee source

Oct 30, 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.