Bragg Mutual Federal Credit Union

Headquarters: Fayetteville, North Carolina
Charter: Credit Union
Assets: $131.1M
Fed district: Richmond

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

Source: its fee schedule, read Nov 2, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
BMFCU Perks Checking $2.95 · BMFCU Perks Plus Checking $5.95
Compared at $4.45, the middle of its prices
Bragg Mutual Federal Credit Union: $2.95 to $5.95
Bragg Mutual Federal Credit Union: $2.95 to $5.95
U.S. median: no median
Overdraft (OD)
Bragg Mutual Federal Credit Union: $29
Bragg Mutual Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
Compared at $19.50, the middle of its prices
Bragg Mutual Federal Credit Union: $10 to $29
Bragg Mutual Federal Credit Union: $10 to $29
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Carolina, 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).
North Carolina: Banks and credit unions headquartered in North Carolina 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 Bragg Mutual Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Fee$5.95
per month
Perks Checking Monthly Fee$2.95
per month
Escheatment Fee$35
Non-Activity (Dormant) Fee$5
Account Research Fee (per Hour)$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Research Fee (per Hour) | $20.00
Paper Statement Fee (Per Month/By Request)$2
per month
Mail Locator Fee$2

Overdraft & NSF

ATM Overdraft Fee$29
Overdraft Fee (per item and re-presented item)$29
per item
Bill Pay Returned Item Fee$29
Shared Branch NSF Return Fee$10

ATM & Card

ATM Inquiry Fee$0.75
ATM Service Charges$1.50

Wire Transfers

Wire Transfer Fee (Domestic, Outgoing)$15
Wire Transfer Fee (Domestic, Incoming)No charge

Check Services

Cashier’s Checks$5
Money Orders$2
Stop Payment Fee$29
Stop Payment for BMFCU Cashier’s Checks, Share Withdrawal Checks, or Money Orders$29
Starter Checks (One Page of Four Checks)$2

Digital & Electronic

Bill Pay Service (Monthly)$5
per month

Cash & Deposit

Visa® Credit Card Cash Advance Fee$5

Account Services

Tax Levy or Garnishment$75
Verification of Deposit$10

Lending Fees

Loan Late Payment Fee4%
Loan Late Payment Fee (audience not stated, treated as personal)4%
Visa® Credit Card Late Payment Fee$22

Gift & Prepaid Cards

Visa® Gift Card$3.95

Other Fees

Fax (Outgoing, First Page)$2
Loan Extension (Skip-a-Payment) Fee$25
Loan Processing Fee$35

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	$5.95	per month	None
Perks Checking Monthly Fee	$2.95	per month	None
Escheatment Fee	$35	Not stated	None
Non-Activity (Dormant) Fee	$5	Not stated	None
Account Research Fee (per Hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Research Fee (per Hour) \| $20.00
Paper Statement Fee (Per Month/By Request)	$2	per month	None
Mail Locator Fee	$2	Not stated	None
Overdraft & NSF
ATM Overdraft Fee	$29	Not stated	None
Overdraft Fee (per item and re-presented item)	$29	per item	None
Bill Pay Returned Item Fee	$29	Not stated	None
Shared Branch NSF Return Fee	$10	Not stated	None
ATM & Card
ATM Inquiry Fee	$0.75	Not stated	None
ATM Service Charges	$1.50	Not stated	None
Wire Transfers
Wire Transfer Fee (Domestic, Outgoing)	$15	Not stated	None
Wire Transfer Fee (Domestic, Incoming)	No charge	Not stated	None
Check Services
Cashier’s Checks	$5	Not stated	None
Money Orders	$2	Not stated	None
Stop Payment Fee	$29	Not stated	None
Stop Payment for BMFCU Cashier’s Checks, Share Withdrawal Checks, or Money Orders	$29	Not stated	None
Starter Checks (One Page of Four Checks)	$2	Not stated	None
Digital & Electronic
Bill Pay Service (Monthly)	$5	per month	None
Cash & Deposit
Visa® Credit Card Cash Advance Fee	$5	Not stated	None
Account Services
Tax Levy or Garnishment	$75	Not stated	None
Verification of Deposit	$10	Not stated	None
Lending Fees
Loan Late Payment Fee	4%	Not stated	None
Loan Late Payment Fee (audience not stated, treated as personal)	4%	Not stated	None
Visa® Credit Card Late Payment Fee	$22	Not stated	None
Gift & Prepaid Cards
Visa® Gift Card	$3.95	Not stated	None
Other Fees
Fax (Outgoing, First Page)	$2	Not stated	None
Loan Extension (Skip-a-Payment) Fee	$25	Not stated	None
Loan Processing Fee	$35	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 2, 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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