West Virginia Federal Credit Union

Headquarters: South Charleston, West Virginia
Charter: Credit Union
Assets: $141.6M
Fed district: Richmond

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

Source: its fee schedule, read Nov 2, 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
Fresh Start Checking $4.99 · Gold Checking $5
Compared at $5.00, the middle of its prices
West Virginia Federal Credit Union: $4.99 to $5
West Virginia Federal Credit Union: $4.99 to $5
U.S. median: no median
Overdraft (OD)
West Virginia Federal Credit Union: $32
West Virginia Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
West Virginia Federal Credit Union: $32
West Virginia Federal Credit Union: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

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

Account Maintenance

Fresh Start Checking Monthly maintenance fee$4.99
per month
Gold Checking Monthly maintenance fee$5
per month
Gold Checking Monthly maintenance fee (audience not stated, treated as personal)$5
per month
Monthly maintenance fee (audience not stated, treated as personal)$4.99
per month
Inactive Membership Fee$5
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation | $25 per hour (minimum one hour charge)
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $25 per hour (minimum one hour charge)

Overdraft & NSF

Courtesy Pay NSF$32
per item
NSF/Overdraft Fee$32
Premium services available at varying costs as selected NSF/Overdraft Fee$32
per transaction
NSF/Overdraft Fee$32
Overdraft Protection Transfer Fee from a WVFCU Account$5
per item

ATM & Card

Reissue Lost/Stolen Visa ATM/Check Card$15
per item

Wire Transfers

Wire Transfer - Outgoing Local$15
Wire Transfer - Incoming to Federal Reserve$15
Wire Transfer - Outgoing International$70

Check Services

Official Checks$2
Stop Payment$32
per transaction
Stop Payment -$32
Stop Payment (Check or ACH)$32
per item
Counter Check Charge$0.50
per item
Payroll Check Cashing$5
Collection Item (incoming)$40
per item
Items Sent for Collection$15
per item
Check Copy$5
per item
Official Check Copy$5
per item

Digital & Electronic

Mobile Deposit Capture (MDC)$0.60
per item
Mobile Deposit Capture (MDC) Deposit Limit Exception Fee$0.60
per item

Cash & Deposit

Deposited Item Return (2nd Party)$10
per item
Deposited Item Return (Personal)$25
per item

Account Services

Notary ServiceNo charge
Drilling of Box (missing both keys)$250
Not compared: Box drilling or key fee
Safe Deposit Box 10" x 10"$75
Safe Deposit Box 3" x 10"$40
Safe Deposit Box 3" x 5"$25
Safe Deposit Box 5" x 10"$50
Safe Deposit Box 5" x 5"$30
Processing of Subpoena, Levies & Garnishments$75
per item
Legal Process$75
per item
Subordination Agreement$50

Other Fees

Fax Fee$1
Not compared: Charged per page; comparison unavailable
per page · Fax Fee | $1 per page
Photocopy Fee$1
per item
Photocopy Fee$1
Not compared: Charged per page; comparison unavailable
per page · Photocopy Fee | $1 per page
Statement Copy$1
Not compared: Charged per page; comparison unavailable
per page · Statement Copy | $1 per page
Statement Copy$1
per item
Loan Modification Fee$250

Fee	Amount	Basis	Note
Account Maintenance
Fresh Start Checking Monthly maintenance fee	$4.99	per month	None
Gold Checking Monthly maintenance fee	$5	per month	None
Gold Checking Monthly maintenance fee (audience not stated, treated as personal)	$5	per month	None
Monthly maintenance fee (audience not stated, treated as personal)	$4.99	per month	None
Inactive Membership Fee	$5	per month	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation \| $25 per hour (minimum one hour charge)
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $25 per hour (minimum one hour charge)
Overdraft & NSF
Courtesy Pay NSF	$32	per item	None
NSF/Overdraft Fee	$32	Not stated	None
Premium services available at varying costs as selected NSF/Overdraft Fee	$32	per transaction	None
NSF/Overdraft Fee	$32	Not stated	None
Overdraft Protection Transfer Fee from a WVFCU Account	$5	per item	None
ATM & Card
Reissue Lost/Stolen Visa ATM/Check Card	$15	per item	None
Wire Transfers
Wire Transfer - Outgoing Local	$15	Not stated	None
Wire Transfer - Incoming to Federal Reserve	$15	Not stated	None
Wire Transfer - Outgoing International	$70	Not stated	None
Check Services
Official Checks	$2	Not stated	None
Stop Payment	$32	per transaction	None
Stop Payment -	$32	Not stated	None
Stop Payment (Check or ACH)	$32	per item	None
Counter Check Charge	$0.50	per item	None
Payroll Check Cashing	$5	Not stated	None
Collection Item (incoming)	$40	per item	None
Items Sent for Collection	$15	per item	None
Check Copy	$5	per item	None
Official Check Copy	$5	per item	None
Digital & Electronic
Mobile Deposit Capture (MDC)	$0.60	per item	None
Mobile Deposit Capture (MDC) Deposit Limit Exception Fee	$0.60	per item	None
Cash & Deposit
Deposited Item Return (2nd Party)	$10	per item	None
Deposited Item Return (Personal)	$25	per item	None
Account Services
Notary Service	No charge	Not stated	None
Drilling of Box (missing both keys)	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10" x 10"	$75	Not stated	None
Safe Deposit Box 3" x 10"	$40	Not stated	None
Safe Deposit Box 3" x 5"	$25	Not stated	None
Safe Deposit Box 5" x 10"	$50	Not stated	None
Safe Deposit Box 5" x 5"	$30	Not stated	None
Processing of Subpoena, Levies & Garnishments	$75	per item	None
Legal Process	$75	per item	None
Subordination Agreement	$50	Not stated	None
Other Fees
Fax Fee	$1Not compared: Charged per page; comparison unavailable	per page	Fax Fee \| $1 per page
Photocopy Fee	$1	per item	None
Photocopy Fee	$1Not compared: Charged per page; comparison unavailable	per page	Photocopy Fee \| $1 per page
Statement Copy	$1Not compared: Charged per page; comparison unavailable	per page	Statement Copy \| $1 per page
Statement Copy	$1	per item	None
Loan Modification Fee	$250	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 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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