My Pensacola Federal Credit Union

Headquarters: Pensacola, Florida
Charter: Credit Union
Assets: $89.1M
Fed district: Atlanta

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

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

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Fees against the market

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

Monthly Maintenance
My Pensacola Federal Credit Union: No fee
My Pensacola Federal Credit Union: No fee
U.S. median: no median
Overdraft (OD)
My Pensacola Federal Credit Union: $29
My Pensacola Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
My Pensacola Federal Credit Union: $29
My Pensacola Federal Credit Union: $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 Florida, 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).
Florida: Banks and credit unions headquartered in Florida 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 My Pensacola Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Checking (No Min Balance and No Monthly Service Fee)No charge
per month
Reopen Account Under New Number/Account Number Assignment$15
per item
Dormant Account Fee$10
Not compared: Quarterly charge, not monthly
per quarter
Account Research/Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research/Reconcilitation (management)$30
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee (No Forwarding Address)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Privilege (ODP)/Insufficient Funds$29
per item
NSF$29
per item
Overdraft Transfer Fee$3
per item

ATM & Card

ATM Withdrawal/Transfer Fee (transaction at non-designated ATMs)$0.50
per item
Block/Reissue Debit Card$10
per item

Wire Transfers

Wire Transfer Fee (Domestic Outgoing)$15
per item
Wire Transfer Fee (Incoming)$5
per item

Check Services

Official Checks (issued to Account Owner)No charge
Third Party Official Check Issue$2
per item
Money Orders$2
per item
Stop Payment Fee$29
per item
Check CashingNo charge
Check Copy Fee$3
per item
Official Check Copy Fee$5
per item

Digital & Electronic

Bill Pay (up to 10 payments/month with eStatements)No charge
per month
Bill Pay (without eStatements)$4.95
Bill Pay: Service fee$0.50

Cash & Deposit

Return Deposit Item Fee$10
per item
Return Deposit Item Fee (Account Owner Issued)$29
per item

Account Services

Rental Size 10 x 10$75
per year
Rental Size 3 x 10$30
per year
Rental Size 3 x 5$15
per year
Rental Size 5 x 5$25
per year
Safe Deposit Box Change of Locks/Drilling/Key Copy$200
Not compared: Box drilling or key fee
per item
Levy, Garnishment, and/or Attorney Consulting$25
Not compared: Charged per document; comparison unavailable
per document · Levy, Garnishment, and/or Attorney Consulting | $25/Document
Mortgage Subordination or Modification Fee$200
per item

Other Fees

Document Photocopy Fee$0.25
Not compared: Charged per page; comparison unavailable
per page · Document Photocopy Fee | $0.25/Page
Statement Copy Fee$3
Not compared: Charged per statement; comparison unavailable
per statement · Statement Copy Fee | $3/Statement

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

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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