Excel Federal Credit Union

Headquarters: Norcross, Georgia
Charter: Credit Union
Assets: $174.0M
Fed district: Atlanta

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

Source: its fee schedule, read Apr 20, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $8.48, the middle of its prices
Excel Federal Credit Union: $4.95 to $12
Excel Federal Credit Union: $4.95 to $12
U.S. median: no median
Overdraft (OD)
Excel Federal Credit Union: $29
Excel Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
Excel Federal Credit Union: $29
Excel Federal Credit Union: $29
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Apr 20, 2026View sources

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

Account Maintenance

ExcelChecking Monthly Fee$4.95
per month
Fresh Start Checking Monthly Fee$12
per month
PlatinumChecking Minimum Balance less than per Month$6
per month
Dormant Account Fee per month$10
per month
Account Research & balancing assistance (per hour)$29
Not compared: Charged per hour; comparison unavailable
per hour
Withdrawal for Paper Statement Fee (Paper Statement and Mailing Fee)$3
Bad Address(per mailing per month)$10
per month

Overdraft & NSF

Excel Courtesy Pay Fee for Overdraft (per presentment)$29
per item
Overdrawn Fees (Non Sufficient Funds Fees for Checking, Debit, ATM-POS, Pre-authorized withdrawals-per presentment)$29
per item
Return Check Fees (Your own check-per presentment)$29
per item
Overdraft Fees - (Automatic Transfer from other deposit account - per presentment)$5
per item

ATM & Card

ATM Service Fee Network Withdrawal$1
Expedited Processing Fee for Debit/Credit Cards per card processed$50
per item

Wire Transfers

Member Wire Fee Domestic (Wire Transfer - Outgoing)$25
Member Wire Fee Domestic (Wire Transfer - Incoming)$15

Check Services

Third Party Cashier's Check/Official Check$7
Stop Payment Fees (per item for Checks or Pre-authorized withdrawals)$29
per item
On-us Check Cashing Fee/non-member per item$10
per item
Collection Item - (Domestic or foreign)$29
Copy of Draft$2

Account Services

Legal Processing Fee$50
Subordination Fee-HELOCS$200

Other Fees

Consumer Loan Refinance Fee$125
Loan payment by phone$12
Loan Payment online by external Account via ACH$6

Fee	Amount	Basis	Note
Account Maintenance
ExcelChecking Monthly Fee	$4.95	per month	None
Fresh Start Checking Monthly Fee	$12	per month	None
PlatinumChecking Minimum Balance less than per Month	$6	per month	None
Dormant Account Fee per month	$10	per month	None
Account Research & balancing assistance (per hour)	$29Not compared: Charged per hour; comparison unavailable	per hour	None
Withdrawal for Paper Statement Fee (Paper Statement and Mailing Fee)	$3	Not stated	None
Bad Address(per mailing per month)	$10	per month	None
Overdraft & NSF
Excel Courtesy Pay Fee for Overdraft (per presentment)	$29	per item	None
Overdrawn Fees (Non Sufficient Funds Fees for Checking, Debit, ATM-POS, Pre-authorized withdrawals-per presentment)	$29	per item	None
Return Check Fees (Your own check-per presentment)	$29	per item	None
Overdraft Fees - (Automatic Transfer from other deposit account - per presentment)	$5	per item	None
ATM & Card
ATM Service Fee Network Withdrawal	$1	Not stated	None
Expedited Processing Fee for Debit/Credit Cards per card processed	$50	per item	None
Wire Transfers
Member Wire Fee Domestic (Wire Transfer - Outgoing)	$25	Not stated	None
Member Wire Fee Domestic (Wire Transfer - Incoming)	$15	Not stated	None
Check Services
Third Party Cashier's Check/Official Check	$7	Not stated	None
Stop Payment Fees (per item for Checks or Pre-authorized withdrawals)	$29	per item	None
On-us Check Cashing Fee/non-member per item	$10	per item	None
Collection Item - (Domestic or foreign)	$29	Not stated	None
Copy of Draft	$2	Not stated	None
Account Services
Legal Processing Fee	$50	Not stated	None
Subordination Fee-HELOCS	$200	Not stated	None
Other Fees
Consumer Loan Refinance Fee	$125	Not stated	None
Loan payment by phone	$12	Not stated	None
Loan Payment online by external Account via ACH	$6	Not stated	None

Correct a fee source

Apr 20, 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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