Baptist Health South Florida Federal Credit Union

Headquarters: Miami, Florida
Charter: Credit Union
Assets: $140.2M
Fed district: Atlanta

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

Monthly Maintenance
Second Chance Checking
Baptist Health South Florida Federal Credit Union: $5
Baptist Health South Florida Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Baptist Health South Florida Federal Credit Union: $30
Baptist Health South Florida Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Baptist Health South Florida Federal Credit Union: $30
Baptist Health South Florida 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 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta 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).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 Baptist Health South Florida Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Second Chance Checking Monthly service charge$5
per month
Dormant Account Monthly Fee$5
per item
Research Fee (min. 1 hour)$25
Not compared: Charged per hour; comparison unavailable
per hour · Research Fee (min. 1 hour) | $25.00 hr.
Excessive Withdrawal Fee (after 5 per month)$1.25
per item
Excessive Withdrawals$3
per item
Excessive Withdrawals$1.25
per item
Bad Address on Record$2.50
per month
Returned Mail (Bad Address)$2.50
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay$30
per item
Insufficient Funds Check$30
per item
Returned ACH Fee$30
per item

ATM & Card

ATM Withdrawal$1
per item
ATM's and Presto Network ATMs$0.50
Balance Inquiry (Free at our ATM's and Presto Network ATMs)$0.50
per item
Card Replacement Fee$5
per item
Rush Fee$35
per item

Wire Transfers

Wire Transfer Fee - Outgoing Domestic$20
per item
Wire Transfer Fee - Incoming$5
per item
Wire Transfer Fee - Outgoing International$35
per item

Check Services

Official / Cashier Checks$10
per item
Money Orders$2
per item
Stop Payment$20
per item
Stop Payment Fee$25
per item
Copies of Cancelled Checks - at Branch$2
per item

Cash & Deposit

Deposit Return Fee$30
per item
Deposit Returned Item Fee$30
per item

Account Services

Tax Levy Fee$50
per item

Lending Fees

Loan Late Payment Fee$30
per item

Gift & Prepaid Cards

VISA Gift Card Fee$3
per item

Other Fees

Statement Copy Fee (per month)$2.50
per item
No Credit Check Loan Application$20
per item
Returned Payments$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Second Chance Checking Monthly service charge	$5	per month	None
Dormant Account Monthly Fee	$5	per item	None
Research Fee (min. 1 hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	Research Fee (min. 1 hour) \| $25.00 hr.
Excessive Withdrawal Fee (after 5 per month)	$1.25	per item	None
Excessive Withdrawals	$3	per item	None
Excessive Withdrawals	$1.25	per item	None
Bad Address on Record	$2.50	per month	None
Returned Mail (Bad Address)	$2.50Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay	$30	per item	None
Insufficient Funds Check	$30	per item	None
Returned ACH Fee	$30	per item	None
ATM & Card
ATM Withdrawal	$1	per item	None
ATM's and Presto Network ATMs	$0.50	Not stated	None
Balance Inquiry (Free at our ATM's and Presto Network ATMs)	$0.50	per item	None
Card Replacement Fee	$5	per item	None
Rush Fee	$35	per item	None
Wire Transfers
Wire Transfer Fee - Outgoing Domestic	$20	per item	None
Wire Transfer Fee - Incoming	$5	per item	None
Wire Transfer Fee - Outgoing International	$35	per item	None
Check Services
Official / Cashier Checks	$10	per item	None
Money Orders	$2	per item	None
Stop Payment	$20	per item	None
Stop Payment Fee	$25	per item	None
Copies of Cancelled Checks - at Branch	$2	per item	None
Cash & Deposit
Deposit Return Fee	$30	per item	None
Deposit Returned Item Fee	$30	per item	None
Account Services
Tax Levy Fee	$50	per item	None
Lending Fees
Loan Late Payment Fee	$30	per item	None
Gift & Prepaid Cards
VISA Gift Card Fee	$3	per item	None
Other Fees
Statement Copy Fee (per month)	$2.50	per item	None
No Credit Check Loan Application	$20	per item	None
Returned Payments	$30	per item	None

Correct a fee source

Nov 2, 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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