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.

Explore Hamilton View published fees

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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Among its peers

Steuben Citizens Federal Credit Union · $36M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Credit unions only
$35M to $37M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Steuben Citizens Federal Credit Union(this institution)	Bath, NY	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Alpena Community Federal Credit Union	Alpena, MI	$36M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alpha Federal Credit Union	Boston, MA	$35M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Brazos Star Federal Credit Union	College Station, TX	$36M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Chen-Del-O Federal Credit Union	Franklin, NY	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community Link Federal Credit Union	Huntington, IN	$36M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Eweb Employees Federal Credit Union	Eugene, OR	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fox Federal Credit Union	Los Angeles, CA	$37M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Knoxville Firefighters Federal Credit Union	Knoxville, TN	$37M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Koin Federal Credit Union	Brentwood, TN	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Matagorda County Federal Credit Union	Bay City, TX	$36M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Meadowland Federal Credit Union	Sheboygan Falls, WI	$36M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Montana Educators' Federal Credit Union	Missoula, MT	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Nebraska State Employees Federal Credit Union	Lincoln, NE	$37M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Northwestern Energy Employees Federal Credit Union	Butte, MT	$35M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nsp Federal Credit Union	Maplewood, MN	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Outreach Federal Credit Union	Hermitage, TN	$35M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Postal Employees Federal Credit Union	Yardville, NJ	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Reliance Federal Credit Union	King of Prussia, PA	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
School District 3 Federal Credit Union	Colorado Springs, CO	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Service Plus Federal Credit Union	Moline, IL	$35M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Transport Federal Credit Union	Tampa, FL	$36M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Uno Federal Credit Union	New Orleans, LA	$37M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Vasco Federal Credit Union	Latrobe, PA	$37M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Wcu Credit Union	Decatur, AL	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Wichita Falls Federal Credit Union	Wichita Falls, TX	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 19 publish this fee(domestic wire)

6 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Steuben Citizens Federal Credit Union does not publish a domestic wire fee in the index.

The peer median is $25 among 19 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026.

Domestic wire fee in dollars, one mark per institution

Steuben Citizens Federal Credit Union does not publish a domestic wire fee, so it is not on this chart.

Steuben Citizens Federal…Peer (equal prices stack)Peer medianInclude $50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.

Fee change alerts

Get an email when Steuben Citizens Federal Credit Union's foreign transaction changes in our data

We check once a day and send one email covering every change.

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.

Among its peers

Steuben Citizens Federal Credit Union · $36M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Credit unions only
$35M to $37M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Steuben Citizens Federal Credit Union(this institution)	Bath, NY	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Alpena Community Federal Credit Union	Alpena, MI	$36M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alpha Federal Credit Union	Boston, MA	$35M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Brazos Star Federal Credit Union	College Station, TX	$36M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Chen-Del-O Federal Credit Union	Franklin, NY	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community Link Federal Credit Union	Huntington, IN	$36M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Eweb Employees Federal Credit Union	Eugene, OR	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fox Federal Credit Union	Los Angeles, CA	$37M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Knoxville Firefighters Federal Credit Union	Knoxville, TN	$37M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Koin Federal Credit Union	Brentwood, TN	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Matagorda County Federal Credit Union	Bay City, TX	$36M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Meadowland Federal Credit Union	Sheboygan Falls, WI	$36M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Montana Educators' Federal Credit Union	Missoula, MT	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Nebraska State Employees Federal Credit Union	Lincoln, NE	$37M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Northwestern Energy Employees Federal Credit Union	Butte, MT	$35M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nsp Federal Credit Union	Maplewood, MN	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Outreach Federal Credit Union	Hermitage, TN	$35M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Postal Employees Federal Credit Union	Yardville, NJ	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Reliance Federal Credit Union	King of Prussia, PA	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
School District 3 Federal Credit Union	Colorado Springs, CO	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Service Plus Federal Credit Union	Moline, IL	$35M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Transport Federal Credit Union	Tampa, FL	$36M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Uno Federal Credit Union	New Orleans, LA	$37M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Vasco Federal Credit Union	Latrobe, PA	$37M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Wcu Credit Union	Decatur, AL	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Wichita Falls Federal Credit Union	Wichita Falls, TX	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 19 publish this fee(domestic wire)

6 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Steuben Citizens Federal Credit Union does not publish a domestic wire fee in the index.

The peer median is $25 among 19 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026.

Domestic wire fee in dollars, one mark per institution

Steuben Citizens Federal Credit Union does not publish a domestic wire fee, so it is not on this chart.

Steuben Citizens Federal…Peer (equal prices stack)Peer medianInclude $50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.