18 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 2, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
My Pensacola Federal Credit Union · $89M in assets
Banks and credit unions in the Pensacola-Ferry Pass-Brent, FL metro
Banks and credit unions with branches in the Pensacola-Ferry Pass-Brent, FL metro: the local competitors for deposits and customers. They range from $147M to $2.7T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| My Pensacola Federal Credit Union(this institution) | Pensacola, FL | $89M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alabama Federal Credit Union | Tuscaloosa, AL | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of America, National Association | Charlotte, NC | $2.7T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Pensacola | Pensacola, FL | $147M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Centennial Bank | Conway, AR | $24.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community Bank of Mississippi | Flowood, MS | $5.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Eglin Federal Credit Union | Fort Walton Beach, FL | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| FNBT BANK | Fort Walton Beach, FL | $629M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gulf Winds Federal Credit Union | Pensacola, FL | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hancock Whitney Bank | Gulfport, MS | $36.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Harvesters Federal Credit Union | Cantonment, FL | $317M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Loyalty Federal Credit Union | Pensacola, FL | $300M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| MidSouth Bank | Dothan, AL | $771M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Navy Federal Credit Union | Vienna, VA | $204.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pen Air Federal Credit Union | Pensacola, FL | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pinnacle Bank | Nashville, TN | $128.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| PNC Bank, National Association | Wilmington, DE | $609.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Regions Bank | Birmingham, AL | $159.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Renasant Bank | Tupelo, MS | $27B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| ServisFirst Bank | Birmingham, AL | $18.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| SouthState Bank, National Association | Winter Haven, FL | $68.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Huntington National Bank | Columbus, OH | $283.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Warrington Bank | Pensacola, FL | $174M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Truist Bank | Charlotte, NC | $548.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Trustmark Bank | Jackson, MS | $19.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Bank | Atmore, AL | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wells Fargo Bank, National Association | Sioux Falls, SD | $1.9T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
26 peers selected · 17 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $0, against a peer median of $10 among 17 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Amounts from My Pensacola Federal Credit Union’s own schedules, with a source for each figure.
per month
per item
per quarter
per hour
per hour
per item
per year
per year
per year
per year
per item
per document · Levy, Garnishment, and/or Attorney Consulting | $25/Document
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Checking (No Min Balance and No Monthly Service Fee) | No charge | per month | None |
| Reopen Account Under New Number/Account Number Assignment | $15 | per item | None |
| Dormant Account Fee | $10Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Research/Reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research/Reconcilitation (management) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail Fee (No Forwarding Address) | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft Privilege (ODP)/Insufficient Funds | $29 | per item | None |
| NSF | $29 | per item | None |
| Overdraft Transfer Fee | $3 | per item | None |
ATM & Card | |||
| ATM Withdrawal/Transfer Fee (transaction at non-designated ATMs) | $0.50 | per item | None |
| Block/Reissue Debit Card | $10 | per item | None |
Wire Transfers | |||
| Wire Transfer Fee (Domestic Outgoing) | $15 | per item | None |
| Wire Transfer Fee (Incoming) | $5 | per item | None |
Check Services | |||
| Official Checks (issued to Account Owner) | No charge | Not stated | None |
| Third Party Official Check Issue | $2 | per item | None |
| Money Orders | $2 | per item | None |
| Stop Payment Fee | $29 | per item | None |
| Check Cashing | No charge | Not stated | None |
| Check Copy Fee | $3 | per item | None |
| Official Check Copy Fee | $5 | per item | None |
Digital & Electronic | |||
| Bill Pay (up to 10 payments/month with eStatements) | No charge | per month | None |
| Bill Pay (without eStatements) | $4.95 | Not stated | None |
| Bill Pay: Service fee | $0.50 | Not stated | None |
Cash & Deposit | |||
| Return Deposit Item Fee | $10 | per item | None |
| Return Deposit Item Fee (Account Owner Issued) | $29 | per item | None |
Account Services | |||
| Rental Size 10 x 10 | $75 | per year | None |
| Rental Size 3 x 10 | $30 | per year | None |
| Rental Size 3 x 5 | $15 | per year | None |
| Rental Size 5 x 5 | $25 | per year | None |
| Safe Deposit Box Change of Locks/Drilling/Key Copy | $200Not compared: Box drilling or key fee | per item | None |
| Levy, Garnishment, and/or Attorney Consulting | $25Not compared: Charged per document; comparison unavailable | per document | Levy, Garnishment, and/or Attorney Consulting | $25/Document |
| Mortgage Subordination or Modification Fee | $200 | per item | None |
Other Fees | |||
| Document Photocopy Fee | $0.25Not compared: Charged per page; comparison unavailable | per page | Document Photocopy Fee | $0.25/Page |
| Statement Copy Fee | $3Not compared: Charged per statement; comparison unavailable | per statement | Statement Copy Fee | $3/Statement |
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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