Business And Industrial Federal Credit Union

Headquarters: Columbus, Indiana
Charter: Credit Union
Assets: $44.9M
Fed district: St. Louis

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

Source: its fee schedule, read Nov 3, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Business And Industrial Federal Credit Union: $35
Business And Industrial Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Compared at $35, the middle of its prices
Business And Industrial Federal Credit Union: $30 to $35
Business And Industrial Federal Credit Union: $30 to $35
U.S. median: no median
Non-Network ATM
Business And Industrial Federal Credit Union: $1
Business And Industrial Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Indiana, the St. Louis 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).
Indiana: Banks and credit unions headquartered in Indiana that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 Business And Industrial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account closing fee (Draft and Regular Shares)$3
Fee for a dormant account$15
Account balancing assistance$20
Not compared: Charged per hour; comparison unavailable
per hour
Account research$30
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft - each overdraft paid$35
per item
BillPay non-sufficient fund (Check/ACH)$30
per item
Non-sufficient funds$35
per item
Non-sufficient funds ATM/Debit withdrawal$35
Overdraft protection transfer$5
per item

ATM & Card

ATM cash withdrawal from all account(s)$1
per item
Replace ATM/Debit card$5
per item

Wire Transfers

Wire transfer outgoing (within continental United States)$30
Wire transfer incoming$10

Check Services

Cashier's checks$5
per item
Money Orders$3
per item
BillPay stop payment request$30
per item
Stop payments - each (Draft or ACH)$30
per item
Foreign collection item$35
Archived copy of deposited item$2
per item
Archived copy of share draft$5
per item
Copy of share draft$3
per item

Digital & Electronic

BillPay ACH return fee$30
BillPay returned due to error of subscriber$30
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Deposited item returned$10
per item

Account Services

Notary Service (Members Only)No charge
Garnishment (Legal attachment) set up charge$20
Mortgage Subordination$100

Lending Fees

Loan late fee$30

Retirement & IRA

IRA Annual Maintenance Fee (Charged 12/31 Each Year)$30
per year
IRA Required Minimum DistributionNo charge
IRA Termination Fee (Closing)$30
IRA withdrawal (except required minimum distribution)$30
per item

Other Fees

Monthly statement copy (printed)$3
Not compared: Monthly charge, not per item
per month
Loan Skip-a-Payment fee (1 time per rolling 12 months/per loan)$40
per item

Fee	Amount	Basis	Note
Account Maintenance
Account closing fee (Draft and Regular Shares)	$3	Not stated	None
Fee for a dormant account	$15	Not stated	None
Account balancing assistance	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft - each overdraft paid	$35	per item	None
BillPay non-sufficient fund (Check/ACH)	$30	per item	None
Non-sufficient funds	$35	per item	None
Non-sufficient funds ATM/Debit withdrawal	$35	Not stated	None
Overdraft protection transfer	$5	per item	None
ATM & Card
ATM cash withdrawal from all account(s)	$1	per item	None
Replace ATM/Debit card	$5	per item	None
Wire Transfers
Wire transfer outgoing (within continental United States)	$30	Not stated	None
Wire transfer incoming	$10	Not stated	None
Check Services
Cashier's checks	$5	per item	None
Money Orders	$3	per item	None
BillPay stop payment request	$30	per item	None
Stop payments - each (Draft or ACH)	$30	per item	None
Foreign collection item	$35	Not stated	None
Archived copy of deposited item	$2	per item	None
Archived copy of share draft	$5	per item	None
Copy of share draft	$3	per item	None
Digital & Electronic
BillPay ACH return fee	$30	Not stated	None
BillPay returned due to error of subscriber	$30Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Deposited item returned	$10	per item	None
Account Services
Notary Service (Members Only)	No charge	Not stated	None
Garnishment (Legal attachment) set up charge	$20	Not stated	None
Mortgage Subordination	$100	Not stated	None
Lending Fees
Loan late fee	$30	Not stated	None
Retirement & IRA
IRA Annual Maintenance Fee (Charged 12/31 Each Year)	$30	per year	None
IRA Required Minimum Distribution	No charge	Not stated	None
IRA Termination Fee (Closing)	$30	Not stated	None
IRA withdrawal (except required minimum distribution)	$30	per item	None
Other Fees
Monthly statement copy (printed)	$3Not compared: Monthly charge, not per item	per month	None
Loan Skip-a-Payment fee (1 time per rolling 12 months/per loan)	$40	per item	None

Correct a fee source

Nov 3, 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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