The Focus Federal Credit Union

Headquarters: Oklahoma City, Oklahoma
Charter: Credit Union
Assets: $163.2M
Fed district: Kansas City

22 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.

Monthly Maintenance
Fresh Start Checking
The Focus Federal Credit Union: $9.99
The Focus Federal Credit Union: $9.99
U.S. median: no median
Overdraft (OD)
The Focus Federal Credit Union: $30
The Focus Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
The Focus Federal Credit Union: $30
The Focus Federal Credit Union: $30
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 Oklahoma, the Kansas City 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).
Oklahoma: Banks and credit unions headquartered in Oklahoma that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 The Focus Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Fresh Start Checking Monthly service charge$9.99
per month
Early Closed Account Fee$10
Inactive Account$5
per month
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail/Address/Statement$10
per month

Overdraft & NSF

Courtesy Pay$30
per item
Non-Sufficient Funds$30
per item
Savings Non-Sufficient Funds$30
per item

ATM & Card

Visa Debit/ATM Card Replacement$5
per item
Expedited Visa Debit/ATM Card$25
International Service Assessment (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Domestic Wire Transfer-Outgoing$20
per item
Domestic Wire Transfer-Incoming$10
per item

Check Services

Non-Member Share Check to Official Check$3
per item
ACH Stop Payment$30
per item
Stop Pay$30
per item
Stop Payment$30
per item
Check Cashing Fee$5
per item
Check Copy$2.50
per item

Digital & Electronic

Same Day ACH Payment$9.95
per item
ACH Origination Returned Item$30
per item

Cash & Deposit

Deposited Item Return$5

Account Services

Child Support Levy$20
per item
Garnishments/Levies$30
per item
Verification of Deposit$10
per item

Gift & Prepaid Cards

Visa Gift Cards$2.50
per item

Other Fees

Copy of Lien$10
Skip-A-Pay$40

Fee	Amount	Basis	Note
Account Maintenance
Fresh Start Checking Monthly service charge	$9.99	per month	None
Early Closed Account Fee	$10	Not stated	None
Inactive Account	$5	per month	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail/Address/Statement	$10	per month	None
Overdraft & NSF
Courtesy Pay	$30	per item	None
Non-Sufficient Funds	$30	per item	None
Savings Non-Sufficient Funds	$30	per item	None
ATM & Card
Visa Debit/ATM Card Replacement	$5	per item	None
Expedited Visa Debit/ATM Card	$25	Not stated	None
International Service Assessment (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Domestic Wire Transfer-Outgoing	$20	per item	None
Domestic Wire Transfer-Incoming	$10	per item	None
Check Services
Non-Member Share Check to Official Check	$3	per item	None
ACH Stop Payment	$30	per item	None
Stop Pay	$30	per item	None
Stop Payment	$30	per item	None
Check Cashing Fee	$5	per item	None
Check Copy	$2.50	per item	None
Digital & Electronic
Same Day ACH Payment	$9.95	per item	None
ACH Origination Returned Item	$30	per item	None
Cash & Deposit
Deposited Item Return	$5	Not stated	None
Account Services
Child Support Levy	$20	per item	None
Garnishments/Levies	$30	per item	None
Verification of Deposit	$10	per item	None
Gift & Prepaid Cards
Visa Gift Cards	$2.50	per item	None
Other Fees
Copy of Lien	$10	Not stated	None
Skip-A-Pay	$40	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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