Southern Chautauqua Federal Credit Union

Headquarters: Lakewood, New York
Charter: Credit Union
Assets: $163.1M
Fed district: New York

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

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

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

Monthly Maintenance
Rebound checking
Southern Chautauqua Federal Credit Union: $7
Southern Chautauqua Federal Credit Union: $7
U.S. median: no median
Overdraft (OD)
Southern Chautauqua Federal Credit Union: $24
Southern Chautauqua Federal Credit Union: $24
U.S. median: no median
NSF / Returned Item
Southern Chautauqua Federal Credit Union: $29
Southern Chautauqua Federal Credit Union: $29
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 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 Southern Chautauqua Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Rebound checking Monthly service charge$7
per month
Dormant account fee (per month after 12 months of no activity)$30
per month
Account reconciliation fee/Research fee (min of 1/hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Debit card dispute$25
Return statement fee$15

Overdraft & NSF

ACH Overdraft$24
Courtesy pay/Overdraft fee$24
Debit Card Overdraft$24
NSF Fee$29

ATM & Card

Replacement visa debit card$10
Replacement visa debit card pin #$5

Wire Transfers

Wire transfer (domestic/outgoing)$23
Wire Transfer (domestic/incoming)$17
Wire Transfer (International)$77

Check Services

Teller/corporate check drawn on credit union account (first 4 checks/month, free)$1
Stop payment ACH/Personal check/Teller check/Corporate check$22
Copy of member check$5
per item

Digital & Electronic

Internet Bill Pay service feeNo charge

Cash & Deposit

Deposited item returned$36

Account Services

Notary servicesNo charge
Restraining notice/subpoena/levy fee/legal process$100
Legal Process$100
Preparation of subordination agreement$75

Lending Fees

Loan payment late fee$20

Retirement & IRA

IRA custodial feeNo charge

Other Fees

Incoming and outgoing faxNo charge
Statement Copy$10
Not compared: Monthly charge, not per item
per month
Loan application feeNo charge

Fee	Amount	Basis	Note
Account Maintenance
Rebound checking Monthly service charge	$7	per month	None
Dormant account fee (per month after 12 months of no activity)	$30	per month	None
Account reconciliation fee/Research fee (min of 1/hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Debit card dispute	$25	Not stated	None
Return statement fee	$15	Not stated	None
Overdraft & NSF
ACH Overdraft	$24	Not stated	None
Courtesy pay/Overdraft fee	$24	Not stated	None
Debit Card Overdraft	$24	Not stated	None
NSF Fee	$29	Not stated	None
ATM & Card
Replacement visa debit card	$10	Not stated	None
Replacement visa debit card pin #	$5	Not stated	None
Wire Transfers
Wire transfer (domestic/outgoing)	$23	Not stated	None
Wire Transfer (domestic/incoming)	$17	Not stated	None
Wire Transfer (International)	$77	Not stated	None
Check Services
Teller/corporate check drawn on credit union account (first 4 checks/month, free)	$1	Not stated	None
Stop payment ACH/Personal check/Teller check/Corporate check	$22	Not stated	None
Copy of member check	$5	per item	None
Digital & Electronic
Internet Bill Pay service fee	No charge	Not stated	None
Cash & Deposit
Deposited item returned	$36	Not stated	None
Account Services
Notary services	No charge	Not stated	None
Restraining notice/subpoena/levy fee/legal process	$100	Not stated	None
Legal Process	$100	Not stated	None
Preparation of subordination agreement	$75	Not stated	None
Lending Fees
Loan payment late fee	$20	Not stated	None
Retirement & IRA
IRA custodial fee	No charge	Not stated	None
Other Fees
Incoming and outgoing fax	No charge	Not stated	None
Statement Copy	$10Not compared: Monthly charge, not per item	per month	None
Loan application fee	No charge	Not stated	None

Correct a fee source

Oct 5, 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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