Bayer Heritage Federal Credit Union

Headquarters: New Martinsville, West Virginia
Charter: Credit Union
Assets: $800.7M
Fed district: Richmond

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Overdraft (OD)
Bayer Heritage Federal Credit Union: $29
Bayer Heritage Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
Bayer Heritage Federal Credit Union: $29
Bayer Heritage Federal Credit Union: $29
U.S. median: no median
Non-Network ATM
Bayer Heritage Federal Credit Union: $3
Bayer Heritage Federal Credit Union: $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for West Virginia, 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).
West Virginia: Banks and credit unions headquartered in West Virginia 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 Bayer Heritage Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Closed Account Fee$5
Dormant Account Fee$10
per month
Account Research Fee (audience not stated, treated as personal)$15
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee$5
per month

Overdraft & NSF

Courtesy Pay Fee$29
Non-Sufficient Funds (NSF) Fee$29
Nonsufficient Funds Item (audience not stated, treated as personal)$29
per item
Overdraft Protection Transfer from Savings Fee$1
per item

ATM & Card

Foreign ATM (audience not stated, treated as personal)$3

Wire Transfers

Wires - Outgoing Domestic$20
Wire Transfer-Incoming (audience not stated, treated as personal)$5
Wires - Outgoing Foreign$50
Wires - Incoming Domestic or Foreign$5

Check Services

Teller Check Fee$2
per item
Money Orders (audience not stated, treated as personal)$1
Corporate Check Stop Pay Fee$29
Stop Payment Fee$29
Check Copy Fee$2.75

Cash & Deposit

Deposited Checks (and other items) Returned Unpaid (audience not stated, treated as personal)$10

Account Services

Levy or Lien (audience not stated, treated as personal)$25
Subpoena (audience not stated, treated as personal)$25
Not compared: Charged per hour; comparison unavailable
per hour

Lending Fees

Credit Card Late Payment (audience not stated, treated as personal)$25
To ensure quality member service, the following fees have been set and may be adjusted as needed by the Board. Effective$29

Other Fees

Fed Ex (audience not stated, treated as personal)$15
Statement Copy Fee$5
Loan Application Processing (audience not stated, treated as personal)$10

Fee	Amount	Basis	Note
Account Maintenance
Early Closed Account Fee	$5	Not stated	None
Dormant Account Fee	$10	per month	None
Account Research Fee (audience not stated, treated as personal)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Fee	$5	per month	None
Overdraft & NSF
Courtesy Pay Fee	$29	Not stated	None
Non-Sufficient Funds (NSF) Fee	$29	Not stated	None
Nonsufficient Funds Item (audience not stated, treated as personal)	$29	per item	None
Overdraft Protection Transfer from Savings Fee	$1	per item	None
ATM & Card
Foreign ATM (audience not stated, treated as personal)	$3	Not stated	None
Wire Transfers
Wires - Outgoing Domestic	$20	Not stated	None
Wire Transfer-Incoming (audience not stated, treated as personal)	$5	Not stated	None
Wires - Outgoing Foreign	$50	Not stated	None
Wires - Incoming Domestic or Foreign	$5	Not stated	None
Check Services
Teller Check Fee	$2	per item	None
Money Orders (audience not stated, treated as personal)	$1	Not stated	None
Corporate Check Stop Pay Fee	$29	Not stated	None
Stop Payment Fee	$29	Not stated	None
Check Copy Fee	$2.75	Not stated	None
Cash & Deposit
Deposited Checks (and other items) Returned Unpaid (audience not stated, treated as personal)	$10	Not stated	None
Account Services
Levy or Lien (audience not stated, treated as personal)	$25	Not stated	None
Subpoena (audience not stated, treated as personal)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Lending Fees
Credit Card Late Payment (audience not stated, treated as personal)	$25	Not stated	None
To ensure quality member service, the following fees have been set and may be adjusted as needed by the Board. Effective	$29	Not stated	None
Other Fees
Fed Ex (audience not stated, treated as personal)	$15	Not stated	None
Statement Copy Fee	$5	Not stated	None
Loan Application Processing (audience not stated, treated as personal)	$10	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

Nov 1, 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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