Wichita Falls Federal Credit Union

Headquarters: Wichita Falls, Texas
Charter: Credit Union
Assets: $36.1M
Fed district: Dallas

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

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

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

Overdraft (OD)
Wichita Falls Federal Credit Union: $25
Wichita Falls Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Wichita Falls Federal Credit Union: $25
Wichita Falls Federal Credit Union: $25
U.S. median: no median
Stop Payment
Wichita Falls Federal Credit Union: $25
Wichita Falls Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas 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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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 Wichita Falls Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure Fee (account open less than six (6) months)$5
Dormant Account Fee (monthly; applies after period of inactivity per policy)$2.50
per month
Account Research or Reconciliation (per hour; $20 minimum)$20
Not compared: Charged per hour; comparison unavailable
per hour
Printed Statement (per statement; mailed, picked up, or inter-office delivery)$1
Not compared: Charged per statement; comparison unavailable
per statement · Printed Statement (per statement; mailed, picked up, or inter-office delivery) | $1.00
Excessive Withdrawal Fee (over 12 withdrawals per quarter, per withdrawal)$1
per transaction

Overdraft & NSF

Courtesy Pay (Overdraft/Negative) Fee - per item paid over available balance (items over $25.00)$25
per item
Insufficient Funds (NSF) Fee - per item returned unpaid$25
per item

ATM & Card

Debit or ATM Card Replacement (one free replacement per year)$7.50

Check Services

Cashier's Check$2
Stop Payment Fee (per request)$25
per item
Temporary Checks (per check; first 12 free at account opening)$0.25
per item
Check Copy (per item)$1
per item

Digital & Electronic

One-Time ACH Origination - external transfer (per transaction)$5
per transaction
Recurring ACH Origination - external transfer (per occurrence)$1
per item
Bill Pay - online service from checking accountNo charge

Account Services

Notary (Non-Members)$5
Notary Service for MembersNo charge

Lending Fees

Late Payment Fee (assessed after 10 days past due)$25

Other Fees

Non-Member Loan Application Fee (nonrefundable)$25

Fee	Amount	Basis	Note
Account Maintenance
Account Closure Fee (account open less than six (6) months)	$5	Not stated	None
Dormant Account Fee (monthly; applies after period of inactivity per policy)	$2.50	per month	None
Account Research or Reconciliation (per hour; $20 minimum)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Printed Statement (per statement; mailed, picked up, or inter-office delivery)	$1Not compared: Charged per statement; comparison unavailable	per statement	Printed Statement (per statement; mailed, picked up, or inter-office delivery) \| $1.00
Excessive Withdrawal Fee (over 12 withdrawals per quarter, per withdrawal)	$1	per transaction	None
Overdraft & NSF
Courtesy Pay (Overdraft/Negative) Fee - per item paid over available balance (items over $25.00)	$25	per item	None
Insufficient Funds (NSF) Fee - per item returned unpaid	$25	per item	None
ATM & Card
Debit or ATM Card Replacement (one free replacement per year)	$7.50	Not stated	None
Check Services
Cashier's Check	$2	Not stated	None
Stop Payment Fee (per request)	$25	per item	None
Temporary Checks (per check; first 12 free at account opening)	$0.25	per item	None
Check Copy (per item)	$1	per item	None
Digital & Electronic
One-Time ACH Origination - external transfer (per transaction)	$5	per transaction	None
Recurring ACH Origination - external transfer (per occurrence)	$1	per item	None
Bill Pay - online service from checking account	No charge	Not stated	None
Account Services
Notary (Non-Members)	$5	Not stated	None
Notary Service for Members	No charge	Not stated	None
Lending Fees
Late Payment Fee (assessed after 10 days past due)	$25	Not stated	None
Other Fees
Non-Member Loan Application Fee (nonrefundable)	$25	Not stated	None

Correct a fee source

Nov 4, 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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