Money One Federal Credit Union

Headquarters: Largo, Maryland
Charter: Credit Union
Assets: $105.5M
Fed district: Richmond

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

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

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

Monthly Maintenance
Plan Checking
Money One Federal Credit Union: $5.95
Money One Federal Credit Union: $5.95
U.S. median: no median
Overdraft (OD)
Money One Federal Credit Union: $25
Money One Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Money One Federal Credit Union: $35
Money One Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

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

Account Maintenance

Plan Checking Monthly Service Charge$5.95
per month
Account Closure$35
Account Reconciliation/Research$60
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Paper Statement$10
Return Mail/Missing/Bad Address$15
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay$25
per item
NSF$35
per item
Returned Item$35
per item
Overdraft Transfer$15
per item

ATM & Card

ATM Balance Inquiry$0.75
ATM Transaction (Savings/Line of Credit Withdrawal)$0.75
per item
Card Replacement$30
per item

Wire Transfers

Wire Transfer (Outgoing)$30
per item

Check Services

Cashier’s/Certified Check$15
per item
Money Order$10
per item
Cashier’s/Certified Check Stop Payment$35
Stop Payment$35
per item
Temporary Checks$5
per item
Check Copy (Share Draft/Bill Pay)$15
per item

Digital & Electronic

ACH Origination$10
per item

Cash & Deposit

In-Branch Cash Advance on any Card$25

Account Services

Notary Service$8
Safe Deposit Box 3” x 10”$55
per year
Safe Deposit Box 3” x 5”$35
per year
Safe Deposit Box 5” x 10”$80
per year
Safe Deposit Box 5” x 5”$45
per year
Safe Deposit Box Drilling$275
Not compared: Box drilling or key fee
Safe Deposit Box Key Replacement$80
Not compared: Box drilling or key fee
Legal Process (tax levies, garnishments)$100
Deposit Verification$35

Retirement & IRA

IRA Withdrawal$25
per item

Other Fees

Home Equity/Mortgage Subordination$375
Loan Application$50

Fee	Amount	Basis	Note
Account Maintenance
Plan Checking Monthly Service Charge	$5.95	per month	None
Account Closure	$35	Not stated	None
Account Reconciliation/Research	$60Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Paper Statement	$10	Not stated	None
Return Mail/Missing/Bad Address	$15Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay	$25	per item	None
NSF	$35	per item	None
Returned Item	$35	per item	None
Overdraft Transfer	$15	per item	None
ATM & Card
ATM Balance Inquiry	$0.75	Not stated	None
ATM Transaction (Savings/Line of Credit Withdrawal)	$0.75	per item	None
Card Replacement	$30	per item	None
Wire Transfers
Wire Transfer (Outgoing)	$30	per item	None
Check Services
Cashier’s/Certified Check	$15	per item	None
Money Order	$10	per item	None
Cashier’s/Certified Check Stop Payment	$35	Not stated	None
Stop Payment	$35	per item	None
Temporary Checks	$5	per item	None
Check Copy (Share Draft/Bill Pay)	$15	per item	None
Digital & Electronic
ACH Origination	$10	per item	None
Cash & Deposit
In-Branch Cash Advance on any Card	$25	Not stated	None
Account Services
Notary Service	$8	Not stated	None
Safe Deposit Box 3” x 10”	$55	per year	None
Safe Deposit Box 3” x 5”	$35	per year	None
Safe Deposit Box 5” x 10”	$80	per year	None
Safe Deposit Box 5” x 5”	$45	per year	None
Safe Deposit Box Drilling	$275Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Key Replacement	$80Not compared: Box drilling or key fee	Not stated	None
Legal Process (tax levies, garnishments)	$100	Not stated	None
Deposit Verification	$35	Not stated	None
Retirement & IRA
IRA Withdrawal	$25	per item	None
Other Fees
Home Equity/Mortgage Subordination	$375	Not stated	None
Loan Application	$50	Not stated	None

Correct a fee source

Nov 3, 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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