Bar-Cons Federal Credit Union

Headquarters: Columbus, Indiana
Charter: Credit Union
Assets: $52.8M
Fed district: St. Louis

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

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

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

Overdraft (OD)
Bar-Cons Federal Credit Union: $35
Bar-Cons Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Bar-Cons Federal Credit Union: $35
Bar-Cons Federal Credit Union: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Bar-Cons Federal Credit Union: $30
Bar-Cons Federal Credit Union: $30
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 St. Louis 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.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 Bar-Cons Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Inactivity$5
per month
Account Research$35
Not compared: Charged per hour; comparison unavailable
per hour
Address (Returned Mail)$5
Bad Address (Return Mail)$5
per month
Returned Mail$2

Overdraft & NSF

Courtesy/Overdraft Privilege$35
per item
Non-Sufficient Funds (NSF)$35
per item
NSF fee$35
Overdraft Transfer From Savings: Each Transfer$5
per item

ATM & Card

ATM Card Replacement$5
VISA Check Card Replacement$10

Wire Transfers

Wire Transfer: Outgoing$30
Wire Transfer: Incoming$15

Check Services

Cashier's Check$5
Money Order$2.50
ACH Stop Payment$35
Corporate Check Stop Payment Fee - Money Orders - Cashier Checks - Official Checks$10
Stop Payment on Share Drafts$35
Foreign Collection Item$30
Archived Check Copy (Members United)$3

Cash & Deposit

Return Deposit Item$10

Account Services

Garnishment Fee$20
Subordination$95

Retirement & IRA

IRA Traditional & Roth IRA Annual Maintenance$30
per year
IRA Withdrawal$30

Other Fees

Statement Copy$3

Fee	Amount	Basis	Note
Account Maintenance
Inactivity	$5	per month	None
Account Research	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Address (Returned Mail)	$5	Not stated	None
Bad Address (Return Mail)	$5	per month	None
Returned Mail	$2	Not stated	None
Overdraft & NSF
Courtesy/Overdraft Privilege	$35	per item	None
Non-Sufficient Funds (NSF)	$35	per item	None
NSF fee	$35	Not stated	None
Overdraft Transfer From Savings: Each Transfer	$5	per item	None
ATM & Card
ATM Card Replacement	$5	Not stated	None
VISA Check Card Replacement	$10	Not stated	None
Wire Transfers
Wire Transfer: Outgoing	$30	Not stated	None
Wire Transfer: Incoming	$15	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Money Order	$2.50	Not stated	None
ACH Stop Payment	$35	Not stated	None
Corporate Check Stop Payment Fee - Money Orders - Cashier Checks - Official Checks	$10	Not stated	None
Stop Payment on Share Drafts	$35	Not stated	None
Foreign Collection Item	$30	Not stated	None
Archived Check Copy (Members United)	$3	Not stated	None
Cash & Deposit
Return Deposit Item	$10	Not stated	None
Account Services
Garnishment Fee	$20	Not stated	None
Subordination	$95	Not stated	None
Retirement & IRA
IRA Traditional & Roth IRA Annual Maintenance	$30	per year	None
IRA Withdrawal	$30	Not stated	None
Other Fees
Statement Copy	$3	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.

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