Wolf Point Federal Credit Union

Headquarters: Wolf Point, Montana
Charter: Credit Union
Assets: $23.3M
Fed district: Minneapolis

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Monthly Maintenance
Basic Share Draft Accounts $4 · Merit Share Draft Accounts $6
Compared at $5, the middle of its prices
Wolf Point Federal Credit Union: $4 to $6
Wolf Point Federal Credit Union: $4 to $6
U.S. median: no median
Overdraft (OD)
Wolf Point Federal Credit Union: $32
Wolf Point Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Compared at $32, the middle of its prices
Wolf Point Federal Credit Union: $5 to $32
Wolf Point Federal Credit Union: $5 to $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

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

Account Maintenance

Basic Share Draft Accounts Monthly service charge$4
per month
Merit Share Draft Accounts Monthly service charge$6
per month
Early Account Closure < 90 DAYS$25
Dormant Account Fee - Monthly$5
per month
Escheatment$50
Account Balancing Assistance$10
Not compared: Charged per hour; comparison unavailable
per hour
Research$10
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee$2
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Privilege$32
Bank Service for all NSF$5
Nonsufficient Funds ATM Withdrawal$32
per item
Nonsufficient Funds Debit Card Purchase$32
per item
Nonsufficient Funds Draft or Check$32
per item
Nonsufficient Funds Preauthorized Withdrawal$32
per item
Returned Item Fee$32
per item

ATM & Card

ATM Cash Withdrawal (Foreign)$3
per item
ATM/Visa Debit Card Replacement$10
per item

Wire Transfers

Wire Transfer (Domestic) Outgoing$20
per item
Wire Transfer (Domestic) Incoming$2
per item
Wire Transfer (Foreign) Outgoing$45
per item

Check Services

Cashier's Checks$3.50
Money Orders$1.50
Stop Payments - All Items$35
per item
Canadian Check Deposit$10
Foreign Item Collection Processing Fee$10
per item
Sight Draft and Collection Items$35
Official Check Copy$5
Share Draft (Check) Copy$5
per item

Cash & Deposit

Foreign Return Check Fee$35
per item

Account Services

Levy/Garnishment Processing$100
Verification of Deposit$10
per item

Retirement & IRA

IRA Maintenance Fee$10
IRA Closing Fee$5
IRA Transfer$25
per item

Gift & Prepaid Cards

Visa Gift Card$5
Visa Travel Card reload$6.50

Other Fees

FAX- Outgoing - After 3rd Page$0.50
FAX-Incoming$2.50
FAX-Incoming - After 3rd Page$0.50
FAX-Outgoing$2
Statement Copy$2
per item
Loan Application Fee$20

Fee	Amount	Basis	Note
Account Maintenance
Basic Share Draft Accounts Monthly service charge	$4	per month	None
Merit Share Draft Accounts Monthly service charge	$6	per month	None
Early Account Closure < 90 DAYS	$25	Not stated	None
Dormant Account Fee - Monthly	$5	per month	None
Escheatment	$50	Not stated	None
Account Balancing Assistance	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Research	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Fee	$2Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Privilege	$32	Not stated	None
Bank Service for all NSF	$5	Not stated	None
Nonsufficient Funds ATM Withdrawal	$32	per item	None
Nonsufficient Funds Debit Card Purchase	$32	per item	None
Nonsufficient Funds Draft or Check	$32	per item	None
Nonsufficient Funds Preauthorized Withdrawal	$32	per item	None
Returned Item Fee	$32	per item	None
ATM & Card
ATM Cash Withdrawal (Foreign)	$3	per item	None
ATM/Visa Debit Card Replacement	$10	per item	None
Wire Transfers
Wire Transfer (Domestic) Outgoing	$20	per item	None
Wire Transfer (Domestic) Incoming	$2	per item	None
Wire Transfer (Foreign) Outgoing	$45	per item	None
Check Services
Cashier's Checks	$3.50	Not stated	None
Money Orders	$1.50	Not stated	None
Stop Payments - All Items	$35	per item	None
Canadian Check Deposit	$10	Not stated	None
Foreign Item Collection Processing Fee	$10	per item	None
Sight Draft and Collection Items	$35	Not stated	None
Official Check Copy	$5	Not stated	None
Share Draft (Check) Copy	$5	per item	None
Cash & Deposit
Foreign Return Check Fee	$35	per item	None
Account Services
Levy/Garnishment Processing	$100	Not stated	None
Verification of Deposit	$10	per item	None
Retirement & IRA
IRA Maintenance Fee	$10	Not stated	None
IRA Closing Fee	$5	Not stated	None
IRA Transfer	$25	per item	None
Gift & Prepaid Cards
Visa Gift Card	$5	Not stated	None
Visa Travel Card reload	$6.50	Not stated	None
Other Fees
FAX- Outgoing - After 3rd Page	$0.50	Not stated	None
FAX-Incoming	$2.50	Not stated	None
FAX-Incoming - After 3rd Page	$0.50	Not stated	None
FAX-Outgoing	$2	Not stated	None
Statement Copy	$2	per item	None
Loan Application Fee	$20	Not stated	None

Correct a fee source

Nov 1, 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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