Morton Lane Federal Credit Union

Headquarters: Buffalo, New York
Charter: Credit Union
Assets: $62.8M
Fed district: New York

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

Source: its fee schedule, read Mar 17, 2026.

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Fees against the market

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

Monthly Maintenance
Morton Lane Federal Credit Union: No fee
Morton Lane Federal Credit Union: No fee
U.S. median: no median
Overdraft (OD)
Morton Lane Federal Credit Union: $21
Morton Lane Federal Credit Union: $21
U.S. median: no median
NSF / Returned Item
Morton Lane Federal Credit Union: $21
Morton Lane Federal Credit Union: $21
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Mar 17, 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 Morton Lane Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly ServiceNo charge
per month
Dormant Accounts - Inactive for Over 24 Months Fee/Month$20
per month
Checkbook Balancing Per Half Hour$25
Bad Address / No Contact / Return Mail$15

Overdraft & NSF

Courtesy Pay$21
ATM Card Non-Sufficient Funds$21
DEBIT Card Non-Sufficient Funds$21
Home Banking Non-Sufficient Funds$21
Return Draft/ NSF Fee$21

ATM & Card

ATM Balance Inquiries$0.75
ATM Cash Withdrawals$1
ATM Transfers$1
Replacement of Visa ATM-DEBIT-CREDIT Card$15
Expedited Replacement of Visa ATM/Debit Card$25

Wire Transfers

Outgoing Wire (Domestic Only)$35
Incoming Wire (Domestic Only) + More$5

Check Services

Stop Payment$20
Stop Payment on A Withdrawal Check$35
Photo Copy of Check$5

Digital & Electronic

ACH Stop Return$20

Cash & Deposit

Deposited Return Item$20

Account Services

Garnishment/Levy$25

Other Fees

Quarterly Statement Copy$5
Not compared: Quarterly charge, not per item
per quarter

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service	No charge	per month	None
Dormant Accounts - Inactive for Over 24 Months Fee/Month	$20	per month	None
Checkbook Balancing Per Half Hour	$25	Not stated	None
Bad Address / No Contact / Return Mail	$15	Not stated	None
Overdraft & NSF
Courtesy Pay	$21	Not stated	None
ATM Card Non-Sufficient Funds	$21	Not stated	None
DEBIT Card Non-Sufficient Funds	$21	Not stated	None
Home Banking Non-Sufficient Funds	$21	Not stated	None
Return Draft/ NSF Fee	$21	Not stated	None
ATM & Card
ATM Balance Inquiries	$0.75	Not stated	None
ATM Cash Withdrawals	$1	Not stated	None
ATM Transfers	$1	Not stated	None
Replacement of Visa ATM-DEBIT-CREDIT Card	$15	Not stated	None
Expedited Replacement of Visa ATM/Debit Card	$25	Not stated	None
Wire Transfers
Outgoing Wire (Domestic Only)	$35	Not stated	None
Incoming Wire (Domestic Only) + More	$5	Not stated	None
Check Services
Stop Payment	$20	Not stated	None
Stop Payment on A Withdrawal Check	$35	Not stated	None
Photo Copy of Check	$5	Not stated	None
Digital & Electronic
ACH Stop Return	$20	Not stated	None
Cash & Deposit
Deposited Return Item	$20	Not stated	None
Account Services
Garnishment/Levy	$25	Not stated	None
Other Fees
Quarterly Statement Copy	$5Not compared: Quarterly charge, not per item	per quarter	None

Correct a fee source

Mar 17, 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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