Niagara'S Choice Federal Credit Union

Headquarters: Niagara Falls, New York
Charter: Credit Union
Assets: $265.4M
Fed district: New York

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

Source: its fee schedule, read Oct 18, 2026.

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Fees against the market

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

NSF / Returned Item
Niagara'S Choice Federal Credit Union: $25
Niagara'S Choice Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Niagara'S Choice Federal Credit Union: $2
Niagara'S Choice Federal Credit Union: $2
U.S. median: no median
Wire Transfer (Domestic Out)
Niagara'S Choice Federal Credit Union: $20
Niagara'S Choice Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

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

Account Maintenance

Dormant Account (No Activity 1 year)$25
Not compared: Quarterly charge, not monthly
per quarter
Account Reconciliation (per hour)$15
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail$2
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Returned Check$25

ATM & Card

Non NCFCU ATM Withdrawals (Over 4 per month)$2
per item
Card Replacement$15
per item
Rush Debit Card (2-Business Days)$45

Wire Transfers

Wire Transfer (Outgoing)$20
Wire Transfer International$50

Check Services

Certified Checks$10
Money Order ($1,500.00 or less)$1
ACH Stop Payment$15
Corporate Check/Money Order Stop Payment$20
per item
Personal Draft Stop Payment (audience not stated, treated as personal)$15
Canadian Check Processing (audience not stated, treated as personal)$25
Check Collection Fee (Domestic or Foreign)$25
Share Draft Photocopy$1

Digital & Electronic

ACH Return Item$25

Cash & Deposit

Deposited Returned Check$20

Account Services

Legal Compliance, Levy, Restraints, Subpoena etc$50
per item

Retirement & IRA

IRA Premature Closing (within 6 months of opening account)$25

Gift & Prepaid Cards

Gift Cards$3.75

Other Fees

Statement Copy$2

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (No Activity 1 year)	$25Not compared: Quarterly charge, not monthly	per quarter	None
Account Reconciliation (per hour)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail	$2Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Returned Check	$25	Not stated	None
ATM & Card
Non NCFCU ATM Withdrawals (Over 4 per month)	$2	per item	None
Card Replacement	$15	per item	None
Rush Debit Card (2-Business Days)	$45	Not stated	None
Wire Transfers
Wire Transfer (Outgoing)	$20	Not stated	None
Wire Transfer International	$50	Not stated	None
Check Services
Certified Checks	$10	Not stated	None
Money Order ($1,500.00 or less)	$1	Not stated	None
ACH Stop Payment	$15	Not stated	None
Corporate Check/Money Order Stop Payment	$20	per item	None
Personal Draft Stop Payment (audience not stated, treated as personal)	$15	Not stated	None
Canadian Check Processing (audience not stated, treated as personal)	$25	Not stated	None
Check Collection Fee (Domestic or Foreign)	$25	Not stated	None
Share Draft Photocopy	$1	Not stated	None
Digital & Electronic
ACH Return Item	$25	Not stated	None
Cash & Deposit
Deposited Returned Check	$20	Not stated	None
Account Services
Legal Compliance, Levy, Restraints, Subpoena etc	$50	per item	None
Retirement & IRA
IRA Premature Closing (within 6 months of opening account)	$25	Not stated	None
Gift & Prepaid Cards
Gift Cards	$3.75	Not stated	None
Other Fees
Statement Copy	$2	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

Oct 18, 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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