Merck Sharp & Dohme Federal Credit Union

Headquarters: Chalfont, Pennsylvania
Charter: Credit Union
Assets: $1.0B
Fed district: Philadelphia

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

Source: its fee schedule, read Oct 12, 2026.

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Fees against the market

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

Overdraft (OD)
Compared at $35, its standard fee, the highest of its prices
Merck Sharp & Dohme Federal Credit Union: $25 to $35
Merck Sharp & Dohme Federal Credit Union: $25 to $35
U.S. median: no median
NSF / Returned Item
Merck Sharp & Dohme Federal Credit Union: $35
Merck Sharp & Dohme Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Merck Sharp & Dohme Federal Credit Union: $1.50
Merck Sharp & Dohme Federal Credit Union: $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia 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).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia 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 Merck Sharp & Dohme Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closing Fee$25
Inactive Account Fee (after three years)$5
per month
Account Reconciliation Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawal FeeNo charge
Bad Address Fee$5
per month

Overdraft & NSF

Non-Sufficient Funds/Courtesy Pay Fee ++$35
per item
Overdraft (OD)$25
Non-Sufficient Funds/Return Item/$35
per item
Overdraft Fee$10
per item

ATM & Card

Non-MSDFCU Owned ATM Withdrawals$1.50
Card Replacement Fee$7
per item
Foreign transaction fee (multiple currency) (audience not stated, treated as personal)2%of the transaction
International ATM / POS2%

Wire Transfers

Wire Transfers: Incoming+$15
per item

Check Services

Cashier’s Check Fee+$5
per item
Money Order Fee$5
per item
Cashier’s Check Stop Payment Fee$25
Stop Payment$25
per item
Stop Payment Fee$25
per item
Sheet of Temporary Checks$5
per item
Copy of Check by Fax or Mail$7

Digital & Electronic

Overnight Bill Payment$14.95
Same Day Bill Pay (SDBP)$9.95

Cash & Deposit

Deposited Item Return Fee$20
per item

Account Services

Levy/Writ/Garnishment Fee$75

Retirement & IRA

IRA Outgoing Transfer Fee+$15

Other Fees

Complete Statement Copy$5
Fax or Mail$7

Fee	Amount	Basis	Note
Account Maintenance
Account Closing Fee	$25	Not stated	None
Inactive Account Fee (after three years)	$5	per month	None
Account Reconciliation Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Withdrawal Fee	No charge	Not stated	None
Bad Address Fee	$5	per month	None
Overdraft & NSF
Non-Sufficient Funds/Courtesy Pay Fee ++	$35	per item	None
Overdraft (OD)	$25	Not stated	None
Non-Sufficient Funds/Return Item/	$35	per item	None
Overdraft Fee	$10	per item	None
ATM & Card
Non-MSDFCU Owned ATM Withdrawals	$1.50	Not stated	None
Card Replacement Fee	$7	per item	None
Foreign transaction fee (multiple currency) (audience not stated, treated as personal)	2%of the transaction	Not stated	None
International ATM / POS	2%	Not stated	None
Wire Transfers
Wire Transfers: Incoming+	$15	per item	None
Check Services
Cashier’s Check Fee+	$5	per item	None
Money Order Fee	$5	per item	None
Cashier’s Check Stop Payment Fee	$25	Not stated	None
Stop Payment	$25	per item	None
Stop Payment Fee	$25	per item	None
Sheet of Temporary Checks	$5	per item	None
Copy of Check by Fax or Mail	$7	Not stated	None
Digital & Electronic
Overnight Bill Payment	$14.95	Not stated	None
Same Day Bill Pay (SDBP)	$9.95	Not stated	None
Cash & Deposit
Deposited Item Return Fee	$20	per item	None
Account Services
Levy/Writ/Garnishment Fee	$75	Not stated	None
Retirement & IRA
IRA Outgoing Transfer Fee+	$15	Not stated	None
Other Fees
Complete Statement Copy	$5	Not stated	None
Fax or Mail	$7	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 12, 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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