Mid-Atlantic Federal Credit Union

Headquarters: Germantown, Maryland
Charter: Credit Union
Assets: $443.4M
Fed district: Richmond

27 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.

Monthly Maintenance
Simple Checking
Mid-Atlantic Federal Credit Union: $10
Mid-Atlantic Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Mid-Atlantic Federal Credit Union: $31
Mid-Atlantic Federal Credit Union: $31
U.S. median: no median
NSF / Returned Item
Compared at $23, the middle of its prices
Mid-Atlantic Federal Credit Union: $15 to $31
Mid-Atlantic Federal Credit Union: $15 to $31
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 Maryland, 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).
Maryland: Banks and credit unions headquartered in Maryland 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 Mid-Atlantic Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Simple Checking monthly maintenance$10
per month
Premier Checking fall below minimum balance$15
Escheatment (annual)$50
Not compared: Annual charge, not monthly
per year
Inactive account (monthly)$5
per month
Account Research/Reconciliation per hour or fraction$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Research/Reconciliation per hour or fraction | $25.00
Paper Statement$5
Bad Address Fee (monthly)$5
per month

Overdraft & NSF

Privilege Pay$31
NSF / Overdrawn Account$31
NSF Check Re-post$15

ATM & Card

Foreign ATM Transaction$1
Plastic Card Rush$30
Credit Card Foreign Transaction1%of the transaction
per transaction
Credit Card Foreign Transaction (audience not stated, treated as personal)1%of the transaction
per transaction
International Transaction Fee1%of the transaction
International Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfer: Domestic Outgoing$40
Wire Transfer: Domestic Outgoing (online)$30
Wire Transfer: International Outgoing$90
Wire Transfer: International Outgoing (online)$80

Check Services

Official Check$5
Official Check Stop Pay$25
Stop Payment In Branch$25
Stop Payment Online$20
Temporary Check (4)$1
On-us Check Cashing (non-member only)$20.99
Foreign Check Collection$20
Check Copy$5
Check Copy (through internet)$3
Visa Draft Copy$10

Digital & Electronic

MAFCU ACH Origination$5
ACH Origination Return$15
Standard bill paymentNo charge

Cash & Deposit

Credit Card Cash Advance (audience not stated, treated as personal)3%of the advance
Credit Card Cash Advance3%of the advance
Return Deposit Item$15

Account Services

Notary (Member) per sealNo charge
Garnishment / IRS Levy$75
Verification of Deposit$10

Lending Fees

Loan Late Payment5%($25 minimum)
Loan Late Payment (audience not stated, treated as personal)5%($25 minimum)
Loan Modification Processing Charge$250

Other Fees

Photo Copy / Fax$5
Loan Modification Processing Charge$250
Mortgage Payoff Request$35

Fee	Amount	Basis	Note
Account Maintenance
Simple Checking monthly maintenance	$10	per month	None
Premier Checking fall below minimum balance	$15	Not stated	None
Escheatment (annual)	$50Not compared: Annual charge, not monthly	per year	None
Inactive account (monthly)	$5	per month	None
Account Research/Reconciliation per hour or fraction	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Research/Reconciliation per hour or fraction \| $25.00
Paper Statement	$5	Not stated	None
Bad Address Fee (monthly)	$5	per month	None
Overdraft & NSF
Privilege Pay	$31	Not stated	None
NSF / Overdrawn Account	$31	Not stated	None
NSF Check Re-post	$15	Not stated	None
ATM & Card
Foreign ATM Transaction	$1	Not stated	None
Plastic Card Rush	$30	Not stated	None
Credit Card Foreign Transaction	1%of the transaction	per transaction	None
Credit Card Foreign Transaction (audience not stated, treated as personal)	1%of the transaction	per transaction	None
International Transaction Fee	1%of the transaction	Not stated	None
International Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer: Domestic Outgoing	$40	Not stated	None
Wire Transfer: Domestic Outgoing (online)	$30	Not stated	None
Wire Transfer: International Outgoing	$90	Not stated	None
Wire Transfer: International Outgoing (online)	$80	Not stated	None
Check Services
Official Check	$5	Not stated	None
Official Check Stop Pay	$25	Not stated	None
Stop Payment In Branch	$25	Not stated	None
Stop Payment Online	$20	Not stated	None
Temporary Check (4)	$1	Not stated	None
On-us Check Cashing (non-member only)	$20.99	Not stated	None
Foreign Check Collection	$20	Not stated	None
Check Copy	$5	Not stated	None
Check Copy (through internet)	$3	Not stated	None
Visa Draft Copy	$10	Not stated	None
Digital & Electronic
MAFCU ACH Origination	$5	Not stated	None
ACH Origination Return	$15	Not stated	None
Standard bill payment	No charge	Not stated	None
Cash & Deposit
Credit Card Cash Advance (audience not stated, treated as personal)	3%of the advance	Not stated	None
Credit Card Cash Advance	3%of the advance	Not stated	None
Return Deposit Item	$15	Not stated	None
Account Services
Notary (Member) per seal	No charge	Not stated	None
Garnishment / IRS Levy	$75	Not stated	None
Verification of Deposit	$10	Not stated	None
Lending Fees
Loan Late Payment	5%($25 minimum)	Not stated	None
Loan Late Payment (audience not stated, treated as personal)	5%($25 minimum)	Not stated	None
Loan Modification Processing Charge	$250	Not stated	None
Other Fees
Photo Copy / Fax	$5	Not stated	None
Loan Modification Processing Charge	$250	Not stated	None
Mortgage Payoff Request	$35	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 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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