Elko Federal Credit Union

Headquarters: Elko, Nevada
Charter: Credit Union
Assets: $351.3M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 14, 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
Second Chance Checking
Elko Federal Credit Union: $10
Elko Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Elko Federal Credit Union: $25
Elko Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Elko Federal Credit Union: $25
Elko Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

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

Account Maintenance

Second Chance Checking service charge$10
per month
Account Closure$10
Account Closure$25
Dormant Account$5
per month
Account Reconciliation$10
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$10
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawal$5
per item

Overdraft & NSF

Debit Card Overdraft$25
One-Time Debit Overdraft$25
per item
Overdraft$25
per item
Nonsufficient funds fee$25
NSF$25
per item

ATM & Card

A. ATM Fees$1
ATM Transaction$1
per item
Replacement card fee$10
per item
Replacement card fee$5
per item
Currency Conversion (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfer (Outgoing)$20
per item
Foreign Wire Transfer (Outgoing)$32
per item

Check Services

Teller Check Fee$8
Money Order$2
per item
Bill Pay Paper Check Stop Payment$25
Stop Payment$10
per item
Foreign Check Processing: Collected Credit$40
Foreign Check Processing: Provisional Credit$25
Items Sent for Collection$10
per item
Copy of Draft$2.50

Digital & Electronic

ACH Origination$10
per item
Bill Payment, Audio$10
Not compared: Per-item charge, not monthly
per item
E-Returns/Rejects$6.25
Expedited Bill Pay (Next Day Check Delivery)$24.95
Postal Returns$12.50

Cash & Deposit

Deposited Item Return$6
per item
Returned Item$25
per item

Account Services

Garnishment/Levy Processing$50
Legal Process$10

Gift & Prepaid Cards

Visa Gift Card$3.95
per item
Visa Travel Card Reload$3.95
per item

Other Fees

Fax (Outgoing)$1.25
Not compared: Charged per page; comparison unavailable
per page
Statement Copy$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Second Chance Checking service charge	$10	per month	None
Account Closure	$10	Not stated	None
Account Closure	$25	Not stated	None
Dormant Account	$5	per month	None
Account Reconciliation	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Withdrawal	$5	per item	None
Overdraft & NSF
Debit Card Overdraft	$25	Not stated	None
One-Time Debit Overdraft	$25	per item	None
Overdraft	$25	per item	None
Nonsufficient funds fee	$25	Not stated	None
NSF	$25	per item	None
ATM & Card
A. ATM Fees	$1	Not stated	None
ATM Transaction	$1	per item	None
Replacement card fee	$10	per item	None
Replacement card fee	$5	per item	None
Currency Conversion (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer (Outgoing)	$20	per item	None
Foreign Wire Transfer (Outgoing)	$32	per item	None
Check Services
Teller Check Fee	$8	Not stated	None
Money Order	$2	per item	None
Bill Pay Paper Check Stop Payment	$25	Not stated	None
Stop Payment	$10	per item	None
Foreign Check Processing: Collected Credit	$40	Not stated	None
Foreign Check Processing: Provisional Credit	$25	Not stated	None
Items Sent for Collection	$10	per item	None
Copy of Draft	$2.50	Not stated	None
Digital & Electronic
ACH Origination	$10	per item	None
Bill Payment, Audio	$10Not compared: Per-item charge, not monthly	per item	None
E-Returns/Rejects	$6.25	Not stated	None
Expedited Bill Pay (Next Day Check Delivery)	$24.95	Not stated	None
Postal Returns	$12.50	Not stated	None
Cash & Deposit
Deposited Item Return	$6	per item	None
Returned Item	$25	per item	None
Account Services
Garnishment/Levy Processing	$50	Not stated	None
Legal Process	$10	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$3.95	per item	None
Visa Travel Card Reload	$3.95	per item	None
Other Fees
Fax (Outgoing)	$1.25Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$3	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 14, 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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