Thinkwise Federal Credit Union

Headquarters: San Bernardino, California
Charter: Credit Union
Assets: $122.8M
Fed district: San Francisco

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

Source: its fee schedule, read Nov 8, 2026.

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Fees against the market

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

Monthly Maintenance
Thinkwise Federal Credit Union: $15
Thinkwise Federal Credit Union: $15
U.S. median: no median
Overdraft (OD)
Thinkwise Federal Credit Union: $20
Thinkwise Federal Credit Union: $20
U.S. median: no median
Wire Transfer (Domestic Out)
Thinkwise Federal Credit Union: $25
Thinkwise 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 8, 2026View sources

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

Account Maintenance

Service charge$15
Inactivity Fee after 12 months (per month)$5
per month
Account Research (per hour)$40
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail (per item)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Privilege: Wise Checking$20
per item

ATM & Card

Card Replacement (Second Request in a Calendar Year)$15
Rush Order for Card or Pin Replacement$40

Wire Transfers

Wire Transfers - Domestic$25

Check Services

Official Checks$5
Money Orders$3
Temporary Checks (Four checks)$4
Non-Member Check Cashing$15
Foreign Item Deposit (Foreign Bank)$25
Official Check (per copy)$5
per item

Cash & Deposit

Coin Machine Non-Member (audience not stated, treated as personal)12%

Account Services

Notary Services for Credit Union Members$10
per item
Notary Services for Non-Members$15
per item
Levy/Garnishment$100
Verification of Deposits$10

Gift & Prepaid Cards

Visa Gift Cards$5

Other Fees

Statement Copy (per month)$5
Not compared: Monthly charge, not per item
per month
Quick Cash Loan Application$20

Fee	Amount	Basis	Note
Account Maintenance
Service charge	$15	Not stated	None
Inactivity Fee after 12 months (per month)	$5	per month	None
Account Research (per hour)	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail (per item)	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Privilege: Wise Checking	$20	per item	None
ATM & Card
Card Replacement (Second Request in a Calendar Year)	$15	Not stated	None
Rush Order for Card or Pin Replacement	$40	Not stated	None
Wire Transfers
Wire Transfers - Domestic	$25	Not stated	None
Check Services
Official Checks	$5	Not stated	None
Money Orders	$3	Not stated	None
Temporary Checks (Four checks)	$4	Not stated	None
Non-Member Check Cashing	$15	Not stated	None
Foreign Item Deposit (Foreign Bank)	$25	Not stated	None
Official Check (per copy)	$5	per item	None
Cash & Deposit
Coin Machine Non-Member (audience not stated, treated as personal)	12%	Not stated	None
Account Services
Notary Services for Credit Union Members	$10	per item	None
Notary Services for Non-Members	$15	per item	None
Levy/Garnishment	$100	Not stated	None
Verification of Deposits	$10	Not stated	None
Gift & Prepaid Cards
Visa Gift Cards	$5	Not stated	None
Other Fees
Statement Copy (per month)	$5Not compared: Monthly charge, not per item	per month	None
Quick Cash Loan Application	$20	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

Nov 8, 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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