Educational Systems Federal Credit Union

Headquarters: Greenbelt, Maryland
Charter: Credit Union
Assets: $1.4B
Fed district: Richmond

13 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.

Monthly Maintenance
Dividend Checking Account
Educational Systems Federal Credit Union: $10
Educational Systems Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Educational Systems Federal Credit Union: $35
Educational Systems Federal Credit Union: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Educational Systems Federal Credit Union: $30
Educational Systems Federal Credit Union: $30
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 Maryland, the Richmond 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).
Maryland: Banks and credit unions headquartered in Maryland that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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 Educational Systems Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dividend Checking Account Monthly fee$10
per month
Account Closing$10
Escheatment Processing Fee$100
Inactive Account$5
per month
Account Reconciliation/Research (one hour minimum)$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay$35
per item
Returned Check/Overdraft/ACH Debit$35
per item

ATM & Card

Lost Card Replacement$10

Wire Transfers

Domestic Wire Transfer$30
per item

Check Services

Cashier’s Check$5
per item
Stop Payment$35
per item
Non-Member Check Cashing Fee$7

Cash & Deposit

Returned Deposited Items$35
per item

Account Services

Notary Service (per seal)$4
Account Garnishments/Attachments$100

Gift & Prepaid Cards

Visa® Gift Card$3.95
per item

Fee	Amount	Basis	Note
Account Maintenance
Dividend Checking Account Monthly fee	$10	per month	None
Account Closing	$10	Not stated	None
Escheatment Processing Fee	$100	Not stated	None
Inactive Account	$5	per month	None
Account Reconciliation/Research (one hour minimum)	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay	$35	per item	None
Returned Check/Overdraft/ACH Debit	$35	per item	None
ATM & Card
Lost Card Replacement	$10	Not stated	None
Wire Transfers
Domestic Wire Transfer	$30	per item	None
Check Services
Cashier’s Check	$5	per item	None
Stop Payment	$35	per item	None
Non-Member Check Cashing Fee	$7	Not stated	None
Cash & Deposit
Returned Deposited Items	$35	per item	None
Account Services
Notary Service (per seal)	$4	Not stated	None
Account Garnishments/Attachments	$100	Not stated	None
Gift & Prepaid Cards
Visa® Gift Card	$3.95	per item	None

Account Maintenance

Business Checking (balance below $2,500)$15
per month
Account Closing$10
Escheatment Processing Fee$100
Inactive Account$5
per month
Account Reconciliation/Research (one hour minimum)$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Returned Check/Overdraft/ACH Debit$35
per item

ATM & Card

Lost Card Replacement$10

Wire Transfers

Domestic Wire Transfer$30
per item

Check Services

Cashier’s Check$5
per item
Stop Payment$35
per item
Non-Member Check Cashing Fee$7

Cash & Deposit

Returned Deposited Items$35
per item

Account Services

Notary Service (per seal)$4
Account Garnishments/Attachments$100

Gift & Prepaid Cards

Visa® Gift Card$3.95
per item

Fee	Amount	Basis	Note
Account Maintenance
Business Checking (balance below $2,500)	$15	per month	None
Account Closing	$10	Not stated	None
Escheatment Processing Fee	$100	Not stated	None
Inactive Account	$5	per month	None
Account Reconciliation/Research (one hour minimum)	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Returned Check/Overdraft/ACH Debit	$35	per item	None
ATM & Card
Lost Card Replacement	$10	Not stated	None
Wire Transfers
Domestic Wire Transfer	$30	per item	None
Check Services
Cashier’s Check	$5	per item	None
Stop Payment	$35	per item	None
Non-Member Check Cashing Fee	$7	Not stated	None
Cash & Deposit
Returned Deposited Items	$35	per item	None
Account Services
Notary Service (per seal)	$4	Not stated	None
Account Garnishments/Attachments	$100	Not stated	None
Gift & Prepaid Cards
Visa® Gift Card	$3.95	per item	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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Fees against the market

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

Monthly Maintenance
Dividend Checking Account
Educational Systems Federal Credit Union: $10
Educational Systems Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Educational Systems Federal Credit Union: $35
Educational Systems Federal Credit Union: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Educational Systems Federal Credit Union: $30
Educational Systems Federal Credit Union: $30
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 Maryland, the Richmond 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).
Maryland: Banks and credit unions headquartered in Maryland that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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.

Published fee schedule

Amounts from Educational Systems Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dividend Checking Account Monthly fee$10
per month
Account Closing$10
Escheatment Processing Fee$100
Inactive Account$5
per month
Account Reconciliation/Research (one hour minimum)$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay$35
per item
Returned Check/Overdraft/ACH Debit$35
per item

ATM & Card

Lost Card Replacement$10

Wire Transfers

Domestic Wire Transfer$30
per item

Check Services

Cashier’s Check$5
per item
Stop Payment$35
per item
Non-Member Check Cashing Fee$7

Cash & Deposit

Returned Deposited Items$35
per item

Account Services

Notary Service (per seal)$4
Account Garnishments/Attachments$100

Gift & Prepaid Cards

Visa® Gift Card$3.95
per item

Fee	Amount	Basis	Note
Account Maintenance
Dividend Checking Account Monthly fee	$10	per month	None
Account Closing	$10	Not stated	None
Escheatment Processing Fee	$100	Not stated	None
Inactive Account	$5	per month	None
Account Reconciliation/Research (one hour minimum)	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay	$35	per item	None
Returned Check/Overdraft/ACH Debit	$35	per item	None
ATM & Card
Lost Card Replacement	$10	Not stated	None
Wire Transfers
Domestic Wire Transfer	$30	per item	None
Check Services
Cashier’s Check	$5	per item	None
Stop Payment	$35	per item	None
Non-Member Check Cashing Fee	$7	Not stated	None
Cash & Deposit
Returned Deposited Items	$35	per item	None
Account Services
Notary Service (per seal)	$4	Not stated	None
Account Garnishments/Attachments	$100	Not stated	None
Gift & Prepaid Cards
Visa® Gift Card	$3.95	per item	None

Account Maintenance

Business Checking (balance below $2,500)$15
per month
Account Closing$10
Escheatment Processing Fee$100
Inactive Account$5
per month
Account Reconciliation/Research (one hour minimum)$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Returned Check/Overdraft/ACH Debit$35
per item

ATM & Card

Lost Card Replacement$10

Wire Transfers

Domestic Wire Transfer$30
per item

Check Services

Cashier’s Check$5
per item
Stop Payment$35
per item
Non-Member Check Cashing Fee$7

Cash & Deposit

Returned Deposited Items$35
per item

Account Services

Notary Service (per seal)$4
Account Garnishments/Attachments$100

Gift & Prepaid Cards

Visa® Gift Card$3.95
per item

Fee	Amount	Basis	Note
Account Maintenance
Business Checking (balance below $2,500)	$15	per month	None
Account Closing	$10	Not stated	None
Escheatment Processing Fee	$100	Not stated	None
Inactive Account	$5	per month	None
Account Reconciliation/Research (one hour minimum)	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Returned Check/Overdraft/ACH Debit	$35	per item	None
ATM & Card
Lost Card Replacement	$10	Not stated	None
Wire Transfers
Domestic Wire Transfer	$30	per item	None
Check Services
Cashier’s Check	$5	per item	None
Stop Payment	$35	per item	None
Non-Member Check Cashing Fee	$7	Not stated	None
Cash & Deposit
Returned Deposited Items	$35	per item	None
Account Services
Notary Service (per seal)	$4	Not stated	None
Account Garnishments/Attachments	$100	Not stated	None
Gift & Prepaid Cards
Visa® Gift Card	$3.95	per item	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.