Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Business And Industrial Federal Credit Union

Columbus, IndianaCredit UnionChicago Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account balancing assistance$20Within the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=account_research; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="Account balancing assistance | $20.00 per hour" · Source

The fee for a dormant account is$15

$10 above the national median

Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=dormant_account; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="The fee for a dormant account is $15.00 every six months." · Source

Overdraft & NSFVerified

BillPay non-sufficient fund (Check/ACH)$30Within the typical range ($25–$32 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=nsf; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="BillPay non-sufficient fund (Check/ACH) | $30.00 each" · Source
Overdraft - each overdraft paid$35Above the typical range ($20–$30 nationally)
$7 above the national median
Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=overdraft; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="Overdraft - each overdraft paid | $35.00" · Source
Overdraft protection transfer$5Within the typical range ($2.50–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=od_protection_transfer; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="Overdraft protection transfer | $5.00 per transfer" · Source

ATM & CardVerified

ATM cash withdrawal from all account(s)$1Within the typical range ($1–$3 nationally)
$0.50 below the national median
per month · Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=atm_non_network; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="ATM cash withdrawal from all account(s) | $1.00 each in excess of six per month at ATM's we do not own or operate" · Source
Replace lost PIN number$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=card_replacement; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="Replace lost PIN number | $5.00" · Source

Wire TransfersVerified

Wire transfer incoming$10Within the typical range ($7.75–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=wire_domestic_incoming; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="Wire transfer incoming | $10.00" · Source
Wire transfer outgoing (within continental United States)$30Above the typical range ($20–$25 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=wire_domestic_outgoing; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="Wire transfer outgoing (within continental United States) | $30.00" · Source

Check ServicesVerified

BillPay stop payment request$30Within the typical range ($20–$30 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=stop_payment; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="BillPay stop payment request | $30.00 per request" · Source

Digital & ElectronicVerified

BillPay ACH return fee$30Within the typical range ($15–$30 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=ach_return; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="BillPay ACH return fee | $30.00" · Source

Cash & DepositVerified

Deposited item returned$10Within the typical range ($9.50–$25 nationally)
$5 below the national median
per item · Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=deposited_item_return; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="Deposited item returned | $10.00 per item" · Source

Account ServicesVerified

Garnishment (Legal attachment) set up charge$20Below the typical range ($25–$75 nationally)
$30 below the national median
Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=garnishment_levy; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="Garnishment (Legal attachment) set up charge | $20.00" · Source
Notary Service (Members Only)$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Knox read a free fee from Rosetta artifact #3781. canonical_hint=notary_fee; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="Notary Service (Members Only) | Free" · Source

Lending FeesVerified

Loan late fee$30Above the typical range ($15–$26.50 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=late_payment; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="Loan late fee | $30.00 after 10 days late" · Source

Retirement & IRAVerified

IRA Annual Maintenance Fee (Charged 12/31 Each Year)$30Above the typical range ($10–$25 nationally)
$15 above the national median
per year · Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=ira_administration; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="IRA Annual Maintenance Fee (Charged 12/31 Each Year) | $30.00" · Source
IRA Termination Fee (Closing)$30Within the typical range ($25–$40 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=ira_termination; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="IRA Termination Fee (Closing) | $30.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account balancing assistance	$20Within the typical range ($15–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=account_research; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="Account balancing assistance \| $20.00 per hour"	Source
The fee for a dormant account is	$15Above the typical range ($5–$10 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=dormant_account; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="The fee for a dormant account is $15.00 every six months."	Source
Overdraft & NSFVerified
BillPay non-sufficient fund (Check/ACH)	$30Within the typical range ($25–$32 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=nsf; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="BillPay non-sufficient fund (Check/ACH) \| $30.00 each"	Source
Overdraft - each overdraft paid
ATM & CardVerified
ATM cash withdrawal from all account(s)	$1Within the typical range ($1–$3 nationally)	$0.50 below the national median	per month	Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=atm_non_network; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="ATM cash withdrawal from all account(s) \| $1.00 each in excess of six per month at ATM's we do not own or operate"	Source

Wire TransfersVerified
Wire transfer incoming	$10Within the typical range ($7.75–$15 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=wire_domestic_incoming; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="Wire transfer incoming \| $10.00"	Source
Wire transfer outgoing (within continental United States)
Check ServicesVerified
BillPay stop payment request	$30Within the typical range ($20–$30 nationally)	$3 above the national median	—	Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=stop_payment; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="BillPay stop payment request \| $30.00 per request"	Source
Digital & ElectronicVerified
BillPay ACH return fee	$30Within the typical range ($15–$30 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=ach_return; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="BillPay ACH return fee \| $30.00"	Source
Cash & DepositVerified
Deposited item returned	$10Within the typical range ($9.50–$25 nationally)	$5 below the national median	per item	Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=deposited_item_return; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="Deposited item returned \| $10.00 per item"	Source
Account ServicesVerified
Garnishment (Legal attachment) set up charge	$20Below the typical range ($25–$75 nationally)	$30 below the national median	—	Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=garnishment_levy; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="Garnishment (Legal attachment) set up charge \| $20.00"	Source
Notary Service (Members Only)
Lending FeesVerified
Loan late fee	$30Above the typical range ($15–$26.50 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=late_payment; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="Loan late fee \| $30.00 after 10 days late"	Source
Retirement & IRAVerified
IRA Annual Maintenance Fee (Charged 12/31 Each Year)	$30Above the typical range ($10–$25 nationally)	$15 above the national median	per year	Knox deterministic extraction from Rosetta artifact #3781. canonical_hint=ira_administration; text_hash=1365385f85edd13d8f7af1e1a3a3e19336b36eb251acba06c952da787b72c170; excerpt="IRA Annual Maintenance Fee (Charged 12/31 Each Year) \| $30.00"	Source
IRA Termination Fee (Closing)

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$35

Overdraft fee: $35

25% above the national median overdraft fee

Total fees: 17 — leaner than most institutions

Verified fees

Under review

Assets

$44.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$44.9M

Total deposits

$36.7M

Service charge income (year to date)

$124K

Fee income ratio

11.5%

Return on assets

1.11%

Financial profile · Pro

Performance from regulator filings

Replace lost PIN number

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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