25 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 25, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Bounce Back Checking
Overdraft (OD)
Compared at $27, its standard fee, the highest of its prices
Non-Network ATM
Compared at $1.88, the middle of its prices
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Louisiana, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
705 Federal Credit Union · $43M in assets
Banks and credit unions in the Lafayette, LA metro
Banks and credit unions with branches in the Lafayette, LA metro: the local competitors for deposits and customers. They range from $5M to $4.1T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| 705 Federal Credit Union(this institution) | Lafayette, LA | $43M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Acadian Federal Credit Union | Lafayette, LA | $21M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Acadiana Medical Federal Credit Union | Lafayette, LA | $14M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Advancial Federal Credit Union | Dallas, TX | $2.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| American Bank & Trust Company | Opelousas, LA | $267M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| b1BANK | Baton Rouge, LA | $8.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Erath | Erath, LA | $105M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank of Gueydan | Gueydan, LA | $69M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital One, National Association | McLean, VA | $662.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cottonport Bank | Cottonport, LA | $582M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cusa Federal Credit Union | Covington, LA | $31M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers State Bank & Trust Co. | Church Point, LA | $175M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| FIDELITY BANK | New Orleans, LA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Guaranty Bank | Hammond, LA | $3.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Horizon Bank | Memphis, TN | $84.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First National Bank of Louisiana | Crowley, LA | $631M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Pioneers Federal Credit Union | Lafayette, LA | $61M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hancock Whitney Bank | Gulfport, MS | $36.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Home Bank, National Association | Lafayette, LA | $3.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| JPMorgan Chase Bank, National Association | Columbus, OH | $4.1T | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Maple Federal Credit Union | Lafayette, LA | $72M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Merchants & Marine Bank | Pascagoula, MS | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Meritus Federal Credit Union | Lafayette, LA | $246M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Neighbors Federal Credit Union | Baton Rouge, LA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| P.H.I. Federal Credit Union | Lafayette, LA | $5M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Pelican Federal Credit Union | Baton Rouge, LA | $885M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Regions Bank | Birmingham, AL | $159.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| The Huntington National Bank | Columbus, OH | $283.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| University Of Louisiana Federal Credit Union | Lafayette, LA | $61M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Vermilion Bank & Trust Company | Kaplan, LA | $145M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vermilion Employees Federal Credit Union | Abbeville, LA | $15M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Washington State Bank | Washington, LA | $309M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Woodforest National Bank | The Woodlands, TX | $9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
32 peers selected · 23 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $10 among 23 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Amounts from 705 Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per quarter
per hour
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Bounce Back Checking Monthly service charge | $10 | per month | None |
| Early Closing Fee if Savings Account is Closed Before 6 Months After Opening | $25 | Not stated | None |
| Dormant Account Fee | $5 | per month | None |
| Dormant Fee | $10Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Reconciliation/ Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Regular Share Account Excessive Withdrawal | $5 | per item | None |
| Returned Mail | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Courtesy Pay Fee | $25 | per item | None |
| Courtesy Pay Fee | $27 | per item | None |
| Overdraft Transfer from Line Of Credit | $10 | per item | None |
| Overdraft Transfer from Loan | $5 | per item | None |
| Overdraft Transfer from Share Savings | $15 | per item | None |
ATM & Card | |||
| ATM Inquiry | $0.75 | Not stated | None |
| ATM Surcharge | $3 | Not stated | None |
| Debit Card Replacement | $15 | per item | None |
| Card Rush | $50 | per item | None |
Wire Transfers | |||
| Domestic Wire | $25 | per item | None |
| Incoming Domestic Wire | $15 | per item | None |
Check Services | |||
| Official Checks | $10 | per item | None |
| Money Order | $2 | per item | None |
| Money Order | $4 | per item | None |
| Stop Payment | $25 | per item | None |
| Counter Checks | $4 | per item | None |
| Counter Checks | $3 | per item | None |
| Check Copy | $5 | per item | None |
Cash & Deposit | |||
| Return Deposit Item | $10 | Not stated | None |
Account Services | |||
| Notary Fee | $25 | Not stated | None |
| Notary Fee | $20 | Not stated | None |
| Safe Deposit Box 10” x 10” | $85 | per year | None |
| Safe Deposit Box 3” x 10” | $45 | per year | None |
| Safe Deposit Box 3” x 5” | $25 | per year | None |
| Safe Deposit Box 5” x 10” | $65 | per year | None |
| Garnishment Fee | $25 | Not stated | None |
| Tax Levy | $25 | Not stated | None |
| Verification of Deposit | $10 | Not stated | None |
Retirement & IRA | |||
| IRA Account Close Out | $25 | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards | $2 | per item | None |
Other Fees | |||
| Fax | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy | $5 | per item | None |
| Statement Copy | $4 | per item | None |
| Loan Processing Fee | $30 | Not stated | None |
| Satisfaction of Lien | $25 | Not stated | None |
| Satisfaction of Mortgage | $20 | Not stated | None |
Oct 25, 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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