4U Federal Credit Union

Headquarters: Gainesville, Texas
Charter: Credit Union
Assets: $156.2M
Fed district: Dallas

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

Source: its fee schedule, read Oct 25, 2026.

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Fees against the market

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

Monthly Maintenance
Enhanced Checking $8 · Fresh Start Checking $10
Compared at $10, the middle of its prices
4U Federal Credit Union: $8 to $10
4U Federal Credit Union: $8 to $10
U.S. median: no median
Overdraft (OD)
4U Federal Credit Union: $30
4U Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
4U Federal Credit Union: $30
4U 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 25, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas 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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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 4U Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance (audience not stated, treated as personal)$10
per month
Monthly service charge (Enhanced Checking) (audience not stated, treated as personal)$8
per month
Service Charge - Bonus Checking$10
per month
Service Charge - Fresh Start Checking$10
per month
Service Charge - Regular Checking$8
per month
Account Closure$15
Inactive (Dormant) Account$10
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation | $25.00 | per hour
Paper Statement Fee$5
Not compared: Charged per statement; comparison unavailable
per statement · Paper Statement Fee | $5.00 | per statement cycle (for memberships opened after 03/01/2018)
Returned Mail / Bad Address$5
per month

Overdraft & NSF

ACH Overdraft$30
per item
Courtesy Pay$30
per item
Debit Card Overdraft$30
per item
Non-Sufficient Funds (NSF)$30
per item
Overdraft-Transfer Fee$5
per item

ATM & Card

Foreign ATMNo charge
ATM/Debit Card Replacement$5
per item
Emergency card replacement fee$20
Rush fee$20
Foreign transaction fee1%of the transaction
Foreign transaction fee (multiple currency) (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfer - Outgoing (domestic)$15
per item
Wire Transfer - Outgoing (international)$30
per item

Check Services

Cashier's Check$2
per item
Cashier's CheckNo charge
Teller Check$2
per item
Stop Payment$30
per item
Temporary Check Fee$0.10
per item
Member Check Cashing1%($7 minimum)
Collection Item$12
per item
Check Copy$3
per item

Digital & Electronic

Inactive Bill Pay$4.95

Cash & Deposit

Returned Deposit Item$30
per item

Account Services

Drilling of Boxes$175
Not compared: Box drilling or key fee
Safe Deposit Box 10 X 10 (audience not stated, treated as personal)$100
per year
Safe Deposit Box 3 X 10 (audience not stated, treated as personal)$45
per year
Safe Deposit Box 3 X 5 (audience not stated, treated as personal)$25
per year
Safe Deposit Box 5 X 10 (audience not stated, treated as personal)$55
per year
Levy$25
per item

Lending Fees

Late payment fee$30

Gift & Prepaid Cards

Gift Card - MasterCard$2.50

Other Fees

Document copy fee$5
Statement Copy$3
per item
Statement copy fee$5
Skip-a-Pay$50
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance (audience not stated, treated as personal)	$10	per month	None
Monthly service charge (Enhanced Checking) (audience not stated, treated as personal)	$8	per month	None
Service Charge - Bonus Checking	$10	per month	None
Service Charge - Fresh Start Checking	$10	per month	None
Service Charge - Regular Checking	$8	per month	None
Account Closure	$15	Not stated	None
Inactive (Dormant) Account	$10	per month	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation \| $25.00 \| per hour
Paper Statement Fee	$5Not compared: Charged per statement; comparison unavailable	per statement	Paper Statement Fee \| $5.00 \| per statement cycle (for memberships opened after 03/01/2018)
Returned Mail / Bad Address	$5	per month	None
Overdraft & NSF
ACH Overdraft	$30	per item	None
Courtesy Pay	$30	per item	None
Debit Card Overdraft	$30	per item	None
Non-Sufficient Funds (NSF)	$30	per item	None
Overdraft-Transfer Fee	$5	per item	None
ATM & Card
Foreign ATM	No charge	Not stated	None
ATM/Debit Card Replacement	$5	per item	None
Emergency card replacement fee	$20	Not stated	None
Rush fee	$20	Not stated	None
Foreign transaction fee	1%of the transaction	Not stated	None
Foreign transaction fee (multiple currency) (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer - Outgoing (domestic)	$15	per item	None
Wire Transfer - Outgoing (international)	$30	per item	None
Check Services
Cashier's Check	$2	per item	None
Cashier's Check	No charge	Not stated	None
Teller Check	$2	per item	None
Stop Payment	$30	per item	None
Temporary Check Fee	$0.10	per item	None
Member Check Cashing	1%($7 minimum)	Not stated	None
Collection Item	$12	per item	None
Check Copy	$3	per item	None
Digital & Electronic
Inactive Bill Pay	$4.95	Not stated	None
Cash & Deposit
Returned Deposit Item	$30	per item	None
Account Services
Drilling of Boxes	$175Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 X 10 (audience not stated, treated as personal)	$100	per year	None
Safe Deposit Box 3 X 10 (audience not stated, treated as personal)	$45	per year	None
Safe Deposit Box 3 X 5 (audience not stated, treated as personal)	$25	per year	None
Safe Deposit Box 5 X 10 (audience not stated, treated as personal)	$55	per year	None
Levy	$25	per item	None
Lending Fees
Late payment fee	$30	Not stated	None
Gift & Prepaid Cards
Gift Card - MasterCard	$2.50	Not stated	None
Other Fees
Document copy fee	$5	Not stated	None
Statement Copy	$3	per item	None
Statement copy fee	$5	Not stated	None
Skip-a-Pay	$50	per item	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 25, 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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