Community Financial Services Federal Credit Union

Headquarters: Roselle, New Jersey
Charter: Credit Union
Assets: $30.6M
Fed district: New York

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

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

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Community Financial Services Federal Credit Union: No fee
Community Financial Services Federal Credit Union: No fee
U.S. median: no median
Overdraft (OD)
Community Financial Services Federal Credit Union: $33
Community Financial Services Federal Credit Union: $33
U.S. median: no median
NSF / Returned Item
Community Financial Services Federal Credit Union: $33
Community Financial Services Federal Credit Union: $33
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

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

Account Maintenance

Account monthly maintenance feeNo charge
per month
Escheat account fee$50
per item
Inactive account (inactive over 1 year, less than balance)$5
per month
Account reconcilements taking more than 15 minutes$10
Not compared: Charged per hour; comparison unavailable
per hour · Account reconcilements taking more than 15 minutes | $10.00 per hour
Bad Address (Returned mail by the post office-1st return free)$5
per month

Overdraft & NSF

Overdraft – Paid$33
per item
NSF - Returned dishonored share draft/check$33
per item
NSF – ATM / Debit insufficient fund fee$33
per transaction

ATM & Card

ATM replacement card$10
per item

Wire Transfers

Wires, outgoing:  Domestic$25
per item
Wires, incoming$10
per item

Check Services

Certified checks$5
Teller checks (Payable to Third Party)$5
Stop payment of share draft/check$35
per item
Copy of share draft/check$6
per item

Cash & Deposit

NSF - Returned deposit items$33
per item

Account Services

Notary serviceNo charge
Levy$50
per item

Other Fees

Copy of loan documents or statements$1
Not compared: Charged per page; comparison unavailable
per page · Copy of loan documents or statements | $ 1.00 per page
Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Account monthly maintenance fee	No charge	per month	None
Escheat account fee	$50	per item	None
Inactive account (inactive over 1 year, less than balance)	$5	per month	None
Account reconcilements taking more than 15 minutes	$10Not compared: Charged per hour; comparison unavailable	per hour	Account reconcilements taking more than 15 minutes \| $10.00 per hour
Bad Address (Returned mail by the post office-1st return free)	$5	per month	None
Overdraft & NSF
Overdraft – Paid	$33	per item	None
NSF - Returned dishonored share draft/check	$33	per item	None
NSF – ATM / Debit insufficient fund fee	$33	per transaction	None
ATM & Card
ATM replacement card	$10	per item	None
Wire Transfers
Wires, outgoing:  Domestic	$25	per item	None
Wires, incoming	$10	per item	None
Check Services
Certified checks	$5	Not stated	None
Teller checks (Payable to Third Party)	$5	Not stated	None
Stop payment of share draft/check	$35	per item	None
Copy of share draft/check	$6	per item	None
Cash & Deposit
NSF - Returned deposit items	$33	per item	None
Account Services
Notary service	No charge	Not stated	None
Levy	$50	per item	None
Other Fees
Copy of loan documents or statements	$1Not compared: Charged per page; comparison unavailable	per page	Copy of loan documents or statements \| $ 1.00 per page
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Feb 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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