Wayne County Community Federal Credit Union

Headquarters: Smithville, Ohio
Charter: Credit Union
Assets: $54.2M
Fed district: Cleveland

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

Source: its fee schedule, read Oct 26, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Wayne County Community Federal Credit Union: $29
Wayne County Community Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
Compared at $24.50, the middle of its prices
Wayne County Community Federal Credit Union: $20 to $29
Wayne County Community Federal Credit Union: $20 to $29
U.S. median: no median
Wire Transfer (Domestic Out)
Wayne County Community Federal Credit Union: $25
Wayne County Community Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

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

Account Maintenance

Dormant Account Fee (inactive over 12 months)$5
per month
Account Research / Reconcilliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Credit Card Transaction Dispute (other than fraud)$25
Debit Card Transaction Dispute (other than fraud)$25
Returned Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Non-sufficient Funds & Overdraft Privilege (per item)$29
per item
Non-sufficient Funds & Overdraft Privilege (per item)$29
per item
Processor Return Item$20
Overdraft Transfer (from savings to checking)$5
per transaction
Overdraft Transfer Fee$5

ATM & Card

Non-Network ATM$5
Not compared: Monthly charge, not per item
per month
ATM Card Reissue$10
Debit Card Reissue$10
Replacement Credit/Debit Card Fee (each)$10
per item
ATM Card Reissue Rush Fee$20
Debit Card Reissue Rush Fee$20

Wire Transfers

Outgoing Wire Transfer$25
Outgoing Wire Transfer Fee (each)$25
per item
Incoming Wire Transfer FeeNo charge

Check Services

Cashier Check Issued (each)$5
per item
Official Check$3
Stop Payment of Personal Check (per item)$25
per item
Stop Payment of Unpaid Official Check$35
Stop Payment Placement$25
Image Copy of Processed Check$5
Image Copy of Processed Check (per item)$5
per item

Digital & Electronic

Online Bill Pay ServicesNo charge

Cash & Deposit

Coin Counting (audience not stated, treated as personal)10%

Account Services

Garnishment / Levy / Subpoena$25
per item
Garnishment/Levy/Subpoena Fee$25
Verification of Deposit Processing$5

Lending Fees

Loan Late Fee$30

Other Fees

Account Statement Copy$3
Not compared: Monthly charge, not per item
per month
Faxes$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee (inactive over 12 months)	$5	per month	None
Account Research / Reconcilliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Credit Card Transaction Dispute (other than fraud)	$25	Not stated	None
Debit Card Transaction Dispute (other than fraud)	$25	Not stated	None
Returned Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Non-sufficient Funds & Overdraft Privilege (per item)	$29	per item	None
Non-sufficient Funds & Overdraft Privilege (per item)	$29	per item	None
Processor Return Item	$20	Not stated	None
Overdraft Transfer (from savings to checking)	$5	per transaction	None
Overdraft Transfer Fee	$5	Not stated	None
ATM & Card
Non-Network ATM	$5Not compared: Monthly charge, not per item	per month	None
ATM Card Reissue	$10	Not stated	None
Debit Card Reissue	$10	Not stated	None
Replacement Credit/Debit Card Fee (each)	$10	per item	None
ATM Card Reissue Rush Fee	$20	Not stated	None
Debit Card Reissue Rush Fee	$20	Not stated	None
Wire Transfers
Outgoing Wire Transfer	$25	Not stated	None
Outgoing Wire Transfer Fee (each)	$25	per item	None
Incoming Wire Transfer Fee	No charge	Not stated	None
Check Services
Cashier Check Issued (each)	$5	per item	None
Official Check	$3	Not stated	None
Stop Payment of Personal Check (per item)	$25	per item	None
Stop Payment of Unpaid Official Check	$35	Not stated	None
Stop Payment Placement	$25	Not stated	None
Image Copy of Processed Check	$5	Not stated	None
Image Copy of Processed Check (per item)	$5	per item	None
Digital & Electronic
Online Bill Pay Services	No charge	Not stated	None
Cash & Deposit
Coin Counting (audience not stated, treated as personal)	10%	Not stated	None
Account Services
Garnishment / Levy / Subpoena	$25	per item	None
Garnishment/Levy/Subpoena Fee	$25	Not stated	None
Verification of Deposit Processing	$5	Not stated	None
Lending Fees
Loan Late Fee	$30	Not stated	None
Other Fees
Account Statement Copy	$3Not compared: Monthly charge, not per item	per month	None
Faxes	$2	per item	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

Oct 26, 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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