Regional Federal Credit Union

Headquarters: Winfield, Indiana
Charter: Credit Union
Assets: $180.1M
Fed district: Chicago

24 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.

Monthly Maintenance
Checking PlusFee..................................................% $3 · First Step Checking $8
Compared at $5.50, the middle of its prices
Regional Federal Credit Union: $3 to $8
Regional Federal Credit Union: $3 to $8
U.S. median: no median
Overdraft (OD)
Regional Federal Credit Union: $25
Regional Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Regional Federal Credit Union: $25
Regional Federal Credit Union: $25
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 Chicago 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.
Chicago district: Banks and credit unions headquartered in the Chicago 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 Regional Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Checking PlusFee % Monthly service charge$3
per month
First Step Checking Fee$8
per month
Dormant Account Fee (no activity for 1 year and no current address)$10
per month
» Account ReconciliationFee$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Reconciliation Fee$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation Fee: $25.00 per hour
Paper Statement Fee for Active Home Banking Users$2
per month

Overdraft & NSF

Credit Line Account Overdraft Fee$25
Overdraft Fee$25
per transaction
NSF Fee$25
per item
Returned Item Fee$25
per item
Negative Balance Fee$25
» Automatic Overdraft Transfer Fee$2
Automatic Overdraft Transfer Fee$2
per item

ATM & Card

Nonproprietary ATM Withdrawal Fee$0.75
per item
Replacement Card Fee$15

Wire Transfers

Domestic Wire (outgoing) Fee$20
per item
International Wire (outgoing) Fee$47
per item

Check Services

Cashier’s Check Fee (under $500.00)$2
per item
Money Order Fee$1.50
per item
Stop Payment Fee$25
per item
Non-Member Check Cashing Fee$5
per item
Items Sent for Collection Fee$25
per item
Check Copy Fee$5
per item

Digital & Electronic

Automatic Bill Payer Plus Fee$5.95
per month

Cash & Deposit

Deposited Item Return Fee$25
per item

Account Services

Garnishment/Levy Fee$20

Lending Fees

Late Payment$35
per item
Late Payment (VISA)$25
per item
Loan Modification Fee$50

Other Fees

Statement Copy Fee$5
per item
Loan Modification Fee$50
Loan Refinance Fee$100
Overdraft Fee: For Personal Line of Credit$25
per item
Skip-a-Payment Fee$40

Fee	Amount	Basis	Note
Account Maintenance
Checking PlusFee % Monthly service charge	$3	per month	None
First Step Checking Fee	$8	per month	None
Dormant Account Fee (no activity for 1 year and no current address)	$10	per month	None
» Account ReconciliationFee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Reconciliation Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation Fee: $25.00 per hour
Paper Statement Fee for Active Home Banking Users	$2	per month	None
Overdraft & NSF
Credit Line Account Overdraft Fee	$25	Not stated	None
Overdraft Fee	$25	per transaction	None
NSF Fee	$25	per item	None
Returned Item Fee	$25	per item	None
Negative Balance Fee	$25	Not stated	None
» Automatic Overdraft Transfer Fee	$2	Not stated	None
Automatic Overdraft Transfer Fee	$2	per item	None
ATM & Card
Nonproprietary ATM Withdrawal Fee	$0.75	per item	None
Replacement Card Fee	$15	Not stated	None
Wire Transfers
Domestic Wire (outgoing) Fee	$20	per item	None
International Wire (outgoing) Fee	$47	per item	None
Check Services
Cashier’s Check Fee (under $500.00)	$2	per item	None
Money Order Fee	$1.50	per item	None
Stop Payment Fee	$25	per item	None
Non-Member Check Cashing Fee	$5	per item	None
Items Sent for Collection Fee	$25	per item	None
Check Copy Fee	$5	per item	None
Digital & Electronic
Automatic Bill Payer Plus Fee	$5.95	per month	None
Cash & Deposit
Deposited Item Return Fee	$25	per item	None
Account Services
Garnishment/Levy Fee	$20	Not stated	None
Lending Fees
Late Payment	$35	per item	None
Late Payment (VISA)	$25	per item	None
Loan Modification Fee	$50	Not stated	None
Other Fees
Statement Copy Fee	$5	per item	None
Loan Modification Fee	$50	Not stated	None
Loan Refinance Fee	$100	Not stated	None
Overdraft Fee: For Personal Line of Credit	$25	per item	None
Skip-a-Payment Fee	$40	Not stated	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.

Fee change alerts

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