Shell Western States Federal Credit Union

Headquarters: Martinez, California
Charter: Credit Union
Assets: $66.0M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 21, 2026.

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Fees against the market

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

Overdraft (OD)
Shell Western States Federal Credit Union: $20
Shell Western States Federal Credit Union: $20
U.S. median: no median
NSF / Returned Item
Shell Western States Federal Credit Union: $20
Shell Western States Federal Credit Union: $20
U.S. median: no median
Stop Payment
Compared at $25, the middle of its prices
Shell Western States Federal Credit Union: $20 to $25
Shell Western States Federal Credit Union: $20 to $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 2026View sources

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

Account Maintenance

Escheat Notification$2
Inactive Fee Dormant$10
Not compared: Quarterly charge, not monthly
per quarter
Account Reconciliation/Research$30
Bill Pay Investigation$25
Excess Withdrawal Fee. First six (6) withdrawals free per month$2
per item
Money Market Excess Withdrawal Fee. First six (6) withdrawals free per month$5
per item
Bad Address$5

Overdraft & NSF

Courtesy Pay Fee$20
per item
Non-Sufficient Funds (NSF) ACH, or Share Drafts (Checks)$20
per item
Automatic Overdraft from Savings (Overdraft Protection)$2
per item

ATM & Card

Debit Card Replacement$10
Debit Card Rush Replacement$50

Check Services

Corporate Check (payable to Self)No charge
Corporate Check (payable to Third Party)$5
ACH Stop Payment$25
per item
Bill Pay Stop Payment$25
per item
Corporate Check Stop Payment$25
per item
Personal Check Stop Payment$25
per item
Visa Letter Check Stop Payment$20
per item
Non-Member Check Cashing ($1,000 limit)$20
Corporate or Personal Check Copy$5
per item

Digital & Electronic

Bill PayNo charge

Cash & Deposit

Returned Deposit Item$20
per item

Account Services

Notary Service - Appointments Preferred (No Fee for CU Documents)$10
per item
Levy Fee$30
per item
Verification of Deposit (Waived for HUD)$10

Lending Fees

Late Fee$20

Retirement & IRA

Individual Retirement Account (IRA) Closure Fee (No Fee for Beneficiary closure)$20

Other Fees

Statement Copy$2
Not compared: Monthly charge, not per item
per month
Lien Satisfaction$20
Returned Loan Payment$20
per item
Written Request for Loan Payoff$20
per item

Fee	Amount	Basis	Note
Account Maintenance
Escheat Notification	$2	Not stated	None
Inactive Fee Dormant	$10Not compared: Quarterly charge, not monthly	per quarter	None
Account Reconciliation/Research	$30	Not stated	None
Bill Pay Investigation	$25	Not stated	None
Excess Withdrawal Fee. First six (6) withdrawals free per month	$2	per item	None
Money Market Excess Withdrawal Fee. First six (6) withdrawals free per month	$5	per item	None
Bad Address	$5	Not stated	None
Overdraft & NSF
Courtesy Pay Fee	$20	per item	None
Non-Sufficient Funds (NSF) ACH, or Share Drafts (Checks)	$20	per item	None
Automatic Overdraft from Savings (Overdraft Protection)	$2	per item	None
ATM & Card
Debit Card Replacement	$10	Not stated	None
Debit Card Rush Replacement	$50	Not stated	None
Check Services
Corporate Check (payable to Self)	No charge	Not stated	None
Corporate Check (payable to Third Party)	$5	Not stated	None
ACH Stop Payment	$25	per item	None
Bill Pay Stop Payment	$25	per item	None
Corporate Check Stop Payment	$25	per item	None
Personal Check Stop Payment	$25	per item	None
Visa Letter Check Stop Payment	$20	per item	None
Non-Member Check Cashing ($1,000 limit)	$20	Not stated	None
Corporate or Personal Check Copy	$5	per item	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Cash & Deposit
Returned Deposit Item	$20	per item	None
Account Services
Notary Service - Appointments Preferred (No Fee for CU Documents)	$10	per item	None
Levy Fee	$30	per item	None
Verification of Deposit (Waived for HUD)	$10	Not stated	None
Lending Fees
Late Fee	$20	Not stated	None
Retirement & IRA
Individual Retirement Account (IRA) Closure Fee (No Fee for Beneficiary closure)	$20	Not stated	None
Other Fees
Statement Copy	$2Not compared: Monthly charge, not per item	per month	None
Lien Satisfaction	$20	Not stated	None
Returned Loan Payment	$20	per item	None
Written Request for Loan Payoff	$20	per item	None

Correct a fee source

Oct 21, 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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