Niagara-Wheatfield Federal Credit Union

Headquarters: Sanborn, New York
Charter: Credit Union
Assets: $21.4M
Fed district: New York

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

Source: its fee schedule, read Oct 15, 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)
Niagara-Wheatfield Federal Credit Union: $15
Niagara-Wheatfield Federal Credit Union: $15
U.S. median: no median
NSF / Returned Item
Niagara-Wheatfield Federal Credit Union: $25
Niagara-Wheatfield Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Niagara-Wheatfield Federal Credit Union: $25
Niagara-Wheatfield 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 15, 2026View sources

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

Account Maintenance

Closed Account Fee$10
Account Inactivity Fee$20
Not compared: Annual charge, not monthly
per year
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Debit Card Overdraft Clearing Fee$15
Non-sufficient funds fee$25
NSF Share Draft /ACH$25
per item

ATM & Card

Replace Lost / Stolen Card$15
Replacement card fee$15
per item

Wire Transfers

Wire Transfer (Outgoing)$25
per item

Check Services

CU Check Fee (check pay to 2nd party)$2
per item
Stop Payment Draft$25
per item
Stop Payment on CU Check$35
per item
Check Cashing (nonmember, per check)$5
per item

Cash & Deposit

Deposited Item Return$15
per item

Other Fees

Statement Copy$2
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Closed Account Fee	$10	Not stated	None
Account Inactivity Fee	$20Not compared: Annual charge, not monthly	per year	None
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Debit Card Overdraft Clearing Fee	$15	Not stated	None
Non-sufficient funds fee	$25	Not stated	None
NSF Share Draft /ACH	$25	per item	None
ATM & Card
Replace Lost / Stolen Card	$15	Not stated	None
Replacement card fee	$15	per item	None
Wire Transfers
Wire Transfer (Outgoing)	$25	per item	None
Check Services
CU Check Fee (check pay to 2nd party)	$2	per item	None
Stop Payment Draft	$25	per item	None
Stop Payment on CU Check	$35	per item	None
Check Cashing (nonmember, per check)	$5	per item	None
Cash & Deposit
Deposited Item Return	$15	per item	None
Other Fees
Statement Copy	$2Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Oct 15, 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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