4 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 1, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Bill Pay & Zelle
Cash Advance
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Pagoda Federal Credit Union · $33M in assets
Banks and credit unions in the Reading, PA metro
Banks and credit unions with branches in the Reading, PA metro: the local competitors for deposits and customers. They range from $193M to $4.1T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Pagoda Federal Credit Union(this institution) | Reading, PA | $33M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Ambler Savings Bank | Ambler, PA | $502M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Bank, National Association | Providence, RI | $232.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Customers Bank | Malvern, PA | $26.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Diamond Federal Credit Union | Pottstown, PA | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Discovery Federal Credit Union | Wyomissing, PA | $193M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Citizens Community Bank | Mansfield, PA | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Commonwealth Federal Credit Union | Lehigh Valley, PA | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank of Pennsylvania | Greenville, PA | $50.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fleetwood Bank | Fleetwood, PA | $416M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Fulton Bank, National Association | Lancaster, PA | $32.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | Jonestown, PA | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| JPMorgan Chase Bank, National Association | Columbus, OH | $4.1T | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Manufacturers and Traders Trust Company | Buffalo, NY | $218.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Members 1St Federal Credit Union | Enola, PA | $8.7B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Riverfront Federal Credit Union | Wyomissing, PA | $320M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Santander Bank, N.A. | Wilmington, DE | $104B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Ephrata National Bank | Ephrata, PA | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Tompkins Community Bank | Ithaca, NY | $8.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Truist Bank | Charlotte, NC | $548.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Utilities Employees Federal Credit Union | Reading, PA | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wells Fargo Bank, National Association | Sioux Falls, SD | $1.9T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Woodforest National Bank | The Woodlands, TX | $9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
22 peers selected · 17 publish this fee(monthly maintenance)
5 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $0, against a peer median of $12 among 17 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Amounts from Pagoda Federal Credit Union’s own schedules, with a source for each figure.
per month
per year
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| No monthly service fees | No charge | per month | None |
ATM & Card | |||
| Card Replacement Fee | $30Not compared: Annual charge, not per item | per year | None |
Digital & Electronic | |||
| Online Bill Pay | $4.95 | per month | None |
Cash & Deposit | |||
| Cash Advance Fee | No charge | Not stated | None |
Lending Fees | |||
| Late Payment Fee | $25 | per item | None |
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.
Fee change alerts
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