Steuben Citizens Federal Credit Union

Headquarters: Bath, New York
Charter: Credit Union
Assets: $35.8M
Fed district: New York

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

Source: its fee schedule, read Oct 16, 2026.

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Fees against the market

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

NSF / Returned Item
Steuben Citizens Federal Credit Union: $45
Steuben Citizens Federal Credit Union: $45
U.S. median: no median
Stop Payment
Compared at $25, the middle of its prices
Steuben Citizens Federal Credit Union: $25 to $45
Steuben Citizens Federal Credit Union: $25 to $45
U.S. median: no median
Cashier's Check
Steuben Citizens Federal Credit Union: $5
Steuben Citizens Federal Credit Union: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

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

Account Maintenance

Early Withdrawal Fee$20
per item · Does not apply if you are 59½ years of age or older
An account is considered dormant if for one year no withdrawals or deposits, other than credited dividends, have been ma$5
per month
Account balancing assistance$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Nonsufficient funds - ACH$45
Nonsufficient funds – share draft$45

Check Services

Cashier’s check (under $1,000)$5
Money orders$1.75
One stop payment for share draft and ACH combined$45
Stop payment - ACH$25
Stop payment – share draft$25

Other Fees

Photocopy$2

Fee	Amount	Basis	Note
Account Maintenance
Early Withdrawal Fee	$20	per item	Does not apply if you are 59½ years of age or older
An account is considered dormant if for one year no withdrawals or deposits, other than credited dividends, have been ma	$5	per month	None
Account balancing assistance	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Nonsufficient funds - ACH	$45	Not stated	None
Nonsufficient funds – share draft	$45	Not stated	None
Check Services
Cashier’s check (under $1,000)	$5	Not stated	None
Money orders	$1.75	Not stated	None
One stop payment for share draft and ACH combined	$45	Not stated	None
Stop payment - ACH	$25	Not stated	None
Stop payment – share draft	$25	Not stated	None
Other Fees
Photocopy	$2	Not stated	None

Correct a fee source

Oct 16, 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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