Bay Federal Credit Union

Headquarters: Capitola, California
Charter: Credit Union
Assets: $1.9B
Fed district: San Francisco

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

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $5, the middle of its prices
Bay Federal Credit Union: $0 to $10
Bay Federal Credit Union: $0 to $10
U.S. median: no median
Overdraft (OD)
Bay Federal Credit Union: $50
Bay Federal Credit Union: $50
U.S. median: no median
Non-Network ATM
Bay Federal Credit Union: $2
Bay Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

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

Account Maintenance

Monthly FeeNo charge
per month
Monthly Maintenance$10
per month
Monthly Service Charge$5
per month · waived with any direct deposit, or 10+ Visa® Debit Card transactions per month
Close Membership (within 180 days of opening)$5
Account Reconciliation (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research 3 (per hour)$24
Not compared: Charged per hour; comparison unavailable
per hour
Research Fee on External Transfer Item (per occurrence)$45
per item
Returned Mail Processing Fee$5

Overdraft & NSF

Case of an overdraft, in even increments$50
Overdraft Protection Transfer FeeNo charge

ATM & Card

ATM Transaction Fee for Non-Bay Federal/Non-CO-OP ATM 6$2

Wire Transfers

Outgoing Domestic Wire Transfer$25
Incoming Wire TransferNo charge
Outgoing International Wire Transfer$45

Check Services

Cashier’s Check / Official Check 1$5
Stop Payment (per item)$29
per item
Stop Payment on Lost or Stolen Cashier’s Check$35
Zelle ® Stop Payment$15
Copy of Cashier’s Check 2,3$6
Copy of Paid CheckNo charge
Retrieval and Copy of Paid Check (per item)$6
per item
Statement Copy (per item) 3$6
per item

Digital & Electronic

Bloqueo de pago por Zelle®$15
Devolución por Zelle®$35
Zelle ® Send/ReceiveNo charge

Cash & Deposit

Coin Counting for MembersNo charge
Coin Counting for Non-members10%

Account Services

Notary (for members only) 1,4$5
per item
Levy/Legal Processing, Compliance Order (per item)$100
per item
Subordination Agreement$200
Not compared: Monthly charge, not per item
per month

Lending Fees

UCC Filing Termination Fee$10
UCC FILING TERMINATION FEE (when the daily balance falls below $500)$7

Other Fees

Copy of StatementNo charge
Demand for Payoff$15
Loan Reconveyance Fee$228
SKIP PAYMENT FEE (For vehicle and personal loans only)$30
Update to Demand for Payoff$15

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	No charge	per month	None
Monthly Maintenance	$10	per month	None
Monthly Service Charge	$5	per month	waived with any direct deposit, or 10+ Visa® Debit Card transactions per month
Close Membership (within 180 days of opening)	$5	Not stated	None
Account Reconciliation (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research 3 (per hour)	$24Not compared: Charged per hour; comparison unavailable	per hour	None
Research Fee on External Transfer Item (per occurrence)	$45	per item	None
Returned Mail Processing Fee	$5	Not stated	None
Overdraft & NSF
Case of an overdraft, in even increments	$50	Not stated	None
Overdraft Protection Transfer Fee	No charge	Not stated	None
ATM & Card
ATM Transaction Fee for Non-Bay Federal/Non-CO-OP ATM 6	$2	Not stated	None
Wire Transfers
Outgoing Domestic Wire Transfer	$25	Not stated	None
Incoming Wire Transfer	No charge	Not stated	None
Outgoing International Wire Transfer	$45	Not stated	None
Check Services
Cashier’s Check / Official Check 1	$5	Not stated	None
Stop Payment (per item)	$29	per item	None
Stop Payment on Lost or Stolen Cashier’s Check	$35	Not stated	None
Zelle ® Stop Payment	$15	Not stated	None
Copy of Cashier’s Check 2,3	$6	Not stated	None
Copy of Paid Check	No charge	Not stated	None
Retrieval and Copy of Paid Check (per item)	$6	per item	None
Statement Copy (per item) 3	$6	per item	None
Digital & Electronic
Bloqueo de pago por Zelle®	$15	Not stated	None
Devolución por Zelle®	$35	Not stated	None
Zelle ® Send/Receive	No charge	Not stated	None
Cash & Deposit
Coin Counting for Members	No charge	Not stated	None
Coin Counting for Non-members	10%	Not stated	None
Account Services
Notary (for members only) 1,4	$5	per item	None
Levy/Legal Processing, Compliance Order (per item)	$100	per item	None
Subordination Agreement	$200Not compared: Monthly charge, not per item	per month	None
Lending Fees
UCC Filing Termination Fee	$10	Not stated	None
UCC FILING TERMINATION FEE (when the daily balance falls below $500)	$7	Not stated	None
Other Fees
Copy of Statement	No charge	Not stated	None
Demand for Payoff	$15	Not stated	None
Loan Reconveyance Fee	$228	Not stated	None
SKIP PAYMENT FEE (For vehicle and personal loans only)	$30	Not stated	None
Update to Demand for Payoff	$15	Not stated	None

Correct a fee source

Oct 11, 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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