First Watch Federal Credit Union

Headquarters: Abilene, Texas
Charter: Credit Union
Assets: $104.7M
Fed district: Dallas

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

Source: its fee schedule, read Nov 6, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Vantage Plus Checking $5 · Opportunity Checking $10
Compared at $7.50, the middle of its prices
First Watch Federal Credit Union: $5 to $10
First Watch Federal Credit Union: $5 to $10
U.S. median: no median
Overdraft (OD)
First Watch Federal Credit Union: $30
First Watch Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
First Watch Federal Credit Union: $30
First Watch 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 6, 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 First Watch Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Opportunity Checking Monthly service charge (audience not stated, treated as personal)$10
per month
Vantage Plus Checking Service Charge (balance under $500.00)$5
per month
Account Closure Fee (If closed within 90 days from opening)$15
Escheatment$25
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation | $25 per hour - One hour minimum
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $25 per hour - One hour minimum
Returned Statement/Bad Address$5
Not compared: Charged per statement; comparison unavailable
per statement · Returned Statement/Bad Address | $5 per statement/bad address

Overdraft & NSF

Courtesy Pay Protection$30
per item
Non-Sufficient Funds (NSF)$30
per item
Overdraft Transfer$1
per item

ATM & Card

ATM Withdrawal, Transfer, or Balance Inquiry Fee at Nonproprietary ATMs$1.50
per transaction
Nonproprietary ATMs$1.50
per item
Debit Card Reissue$5

Wire Transfers

Wire Transfer (Outgoing, domestic)$20
per item

Check Services

Official Check$1
per item
Money Order$2
per item
Official Check Stop Payment$30
Stop Payment$25
per item
Temporary Checks$4
per item
Check Cashing Nonmember On Us$5
per item
Collection Items (all)$20
Check/Draft Photocopy$3
per item

Cash & Deposit

Deposit Item Returned (all other return items)$15
per item
Deposit Item Returned (member’s check drawn on another financial institution)$30
per item

Account Services

Garnishment or Levy$25
per item
Verification of Deposit$5
per item

Retirement & IRA

IRA Account Closure$25
IRA Early Withdrawal (before age 60)$2.50

Other Fees

Fax$1
Not compared: Charged per page; comparison unavailable
per page · Fax | $1 per page
Statement Copy$5
per item
Supporting Document Photocopy$15
per item
Debit or Credit Card Loan Payment (via Phone)$15

Fee	Amount	Basis	Note
Account Maintenance
Opportunity Checking Monthly service charge (audience not stated, treated as personal)	$10	per month	None
Vantage Plus Checking Service Charge (balance under $500.00)	$5	per month	None
Account Closure Fee (If closed within 90 days from opening)	$15	Not stated	None
Escheatment	$25	Not stated	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation \| $25 per hour - One hour minimum
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $25 per hour - One hour minimum
Returned Statement/Bad Address	$5Not compared: Charged per statement; comparison unavailable	per statement	Returned Statement/Bad Address \| $5 per statement/bad address
Overdraft & NSF
Courtesy Pay Protection	$30	per item	None
Non-Sufficient Funds (NSF)	$30	per item	None
Overdraft Transfer	$1	per item	None
ATM & Card
ATM Withdrawal, Transfer, or Balance Inquiry Fee at Nonproprietary ATMs	$1.50	per transaction	None
Nonproprietary ATMs	$1.50	per item	None
Debit Card Reissue	$5	Not stated	None
Wire Transfers
Wire Transfer (Outgoing, domestic)	$20	per item	None
Check Services
Official Check	$1	per item	None
Money Order	$2	per item	None
Official Check Stop Payment	$30	Not stated	None
Stop Payment	$25	per item	None
Temporary Checks	$4	per item	None
Check Cashing Nonmember On Us	$5	per item	None
Collection Items (all)	$20	Not stated	None
Check/Draft Photocopy	$3	per item	None
Cash & Deposit
Deposit Item Returned (all other return items)	$15	per item	None
Deposit Item Returned (member’s check drawn on another financial institution)	$30	per item	None
Account Services
Garnishment or Levy	$25	per item	None
Verification of Deposit	$5	per item	None
Retirement & IRA
IRA Account Closure	$25	Not stated	None
IRA Early Withdrawal (before age 60)	$2.50	Not stated	None
Other Fees
Fax	$1Not compared: Charged per page; comparison unavailable	per page	Fax \| $1 per page
Statement Copy	$5	per item	None
Supporting Document Photocopy	$15	per item	None
Debit or Credit Card Loan Payment (via Phone)	$15	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 6, 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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