Cbi Federal Credit Union

Headquarters: Plainfield, Illinois
Charter: Credit Union
Assets: $17.4M
Fed district: Chicago

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

Source: its fee schedule, read Oct 6, 2026.

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Fees against the market

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

Overdraft (OD)
Compared at $20, its standard fee, the highest of its prices
Cbi Federal Credit Union: $5 to $20
Cbi Federal Credit Union: $5 to $20
U.S. median: no median
NSF / Returned Item
Compared at $27.50, the middle of its prices
Cbi Federal Credit Union: $25 to $30
Cbi Federal Credit Union: $25 to $30
U.S. median: no median
Wire Transfer (Domestic Out)
Cbi Federal Credit Union: $35
Cbi Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, 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).
Illinois: Banks and credit unions headquartered in Illinois 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 Cbi Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

New Account Closed within 90 days$10
Unclaimed Property fee – charged after 3 years of inactivity$25
Account Reconciliation (minimum one hour)$10
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail/Correction Notice$5
per month

Overdraft & NSF

Paid NSF Item (overdrawn act brought positive - no staff contact)$5
Paid NSF Item (overdrawn act needs staff contact)$20
per transaction
Returned NSF Item (overdrawn electronically or by check)$30
VISA Return Check Fee$25

ATM & Card

Additional lost card$10

Wire Transfers

Outgoing Domestic USA Wire Transfer$35
Outgoing international Wire Transfer$55

Check Services

Teller Checks, three (3) free monthly, then$1
Not compared: Monthly charge, not per item
per month
Stop Payment Request$20
Temporary Checks - four per page$1
per item

Digital & Electronic

CU Initiated ACH - Returned NSF$25
Online Bill Pay - Overnight Delivery$25
Not compared: Per-item charge, not monthly
per item
Online Bill Pay - Same Day ACH$10

Cash & Deposit

Returned Deposited Checks for any reason$25

Account Services

Subordination$30

Lending Fees

VISA Late Fee (Classic or Platinum)$10
per item

Gift & Prepaid Cards

VISA Gift Card$3

Other Fees

IAL up to Loan Application$35
Loan Application$50

Fee	Amount	Basis	Note
Account Maintenance
New Account Closed within 90 days	$10	Not stated	None
Unclaimed Property fee – charged after 3 years of inactivity	$25	Not stated	None
Account Reconciliation (minimum one hour)	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail/Correction Notice	$5	per month	None
Overdraft & NSF
Paid NSF Item (overdrawn act brought positive - no staff contact)	$5	Not stated	None
Paid NSF Item (overdrawn act needs staff contact)	$20	per transaction	None
Returned NSF Item (overdrawn electronically or by check)	$30	Not stated	None
VISA Return Check Fee	$25	Not stated	None
ATM & Card
Additional lost card	$10	Not stated	None
Wire Transfers
Outgoing Domestic USA Wire Transfer	$35	Not stated	None
Outgoing international Wire Transfer	$55	Not stated	None
Check Services
Teller Checks, three (3) free monthly, then	$1Not compared: Monthly charge, not per item	per month	None
Stop Payment Request	$20	Not stated	None
Temporary Checks - four per page	$1	per item	None
Digital & Electronic
CU Initiated ACH - Returned NSF	$25	Not stated	None
Online Bill Pay - Overnight Delivery	$25Not compared: Per-item charge, not monthly	per item	None
Online Bill Pay - Same Day ACH	$10	Not stated	None
Cash & Deposit
Returned Deposited Checks for any reason	$25	Not stated	None
Account Services
Subordination	$30	Not stated	None
Lending Fees
VISA Late Fee (Classic or Platinum)	$10	per item	None
Gift & Prepaid Cards
VISA Gift Card	$3	Not stated	None
Other Fees
IAL up to Loan Application	$35	Not stated	None
Loan Application	$50	Not stated	None

Correct a fee source

Oct 6, 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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