Encompass Federal Credit Union

Headquarters: Tipton, Indiana
Charter: Credit Union
Assets: $240.7M
Fed district: Chicago

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

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

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

Overdraft (OD)
Encompass Federal Credit Union: $25
Encompass Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Encompass Federal Credit Union: $25
Encompass Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Encompass Federal Credit Union: $10
Encompass Federal Credit Union: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

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

Account Maintenance

Dormant Account$2
per month
Account Reconciliation$10
Not compared: Charged per hour; comparison unavailable
per hour
Incorrect Address$2
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

ACH Overdraft$25
One-Time Debit Overdraft$25
per item
NSF$25
per item
Returned Item$25
per item

ATM & Card

Card Replacement$5
per item

Wire Transfers

Wire Transfer Outgoing$10
per item
Wire Transfer Incoming$5
per item
International Wire Outgoing$40
per item
International Wire Incoming$5
per item

Check Services

Cashier's Check$2
per item
Money Order$1
per item
Stop Payment$10
per item
Share Draft Copy$2

Cash & Deposit

Deposited Item Return$4
per item

Account Services

NotaryNo charge

Other Fees

Fax Incoming$1
Not compared: Charged per page; comparison unavailable
per page
Fax Outgoing$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$2	per month	None
Account Reconciliation	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Incorrect Address	$2Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
ACH Overdraft	$25	Not stated	None
One-Time Debit Overdraft	$25	per item	None
NSF	$25	per item	None
Returned Item	$25	per item	None
ATM & Card
Card Replacement	$5	per item	None
Wire Transfers
Wire Transfer Outgoing	$10	per item	None
Wire Transfer Incoming	$5	per item	None
International Wire Outgoing	$40	per item	None
International Wire Incoming	$5	per item	None
Check Services
Cashier's Check	$2	per item	None
Money Order	$1	per item	None
Stop Payment	$10	per item	None
Share Draft Copy	$2	Not stated	None
Cash & Deposit
Deposited Item Return	$4	per item	None
Account Services
Notary	No charge	Not stated	None
Other Fees
Fax Incoming	$1Not compared: Charged per page; comparison unavailable	per page	None
Fax Outgoing	$1Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Nov 3, 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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