Ocean Financial Federal Credit Union

Headquarters: Oceanside, New York
Charter: Credit Union
Assets: $403.3M
Fed district: New York

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

Overdraft (OD)
Ocean Financial Federal Credit Union: $28
Ocean Financial Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Ocean Financial Federal Credit Union: $28
Ocean Financial Federal Credit Union: $28
U.S. median: no median
Wire Transfer (Domestic Out)
Ocean Financial Federal Credit Union: $20
Ocean Financial Federal Credit Union: $20
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 New York, the New York 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).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York 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 Ocean Financial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Abandoned property account processing: Fee Amount$50
Inactive Account (after 12 months): Fee Amount$5
Account Research/ReconciliationNo charge
Super Saver excess withdrawal (8 permitted per month): Fee Amount$5
Return Mail$3

Overdraft & NSF

COURTESY PAY FEE (Everyday/POS Debits/ ATM)$28
Standard Overdraft Fee$28
per item
Returned Check (per transaction): Fee Amount$28
Overdraft Protection Transfer from Savings$4

ATM & Card

Visa/ATM/Debit Replacement Card$5

Wire Transfers

Wire-Out Domestic$20
Wire - In$5
per transaction
Wire-Out Foreign$50

Check Services

Teller / Official Check$3
Stop Payment$25
per item
Stop Payment (Per stop - 6-month expiration): Fee Amount$25
Temporary ChecksNo charge
Photo Copy of Share Draft$2.50

Digital & Electronic

Bill PayNo charge
Bill Pay Expedited Payment - Electronic (same day): Fee Amount$9.95
Bill Pay Expedited Payment- Check$14.95
ZELLE® (Person to Person Payments)No charge

Cash & Deposit

Coin Machine Fee - MembersNo charge
Returned deposit$15

Account Services

NotaryNo charge
Safe Deposit Box 10X10X18$150
Safe Deposit Box 3X5X1$30
Safe Deposit Box 3X5X18$30
Safe Deposit Box 5X10X18$80
Safe Deposit Box 5X5X18$40
Safe Deposit Box Break in Fee$250
Safe Deposit Products (at Seaford Branch Only): Fee Amount$28
per transaction
Safe Deposit Replacement Key$37
Not compared: Box drilling or key fee
Home Equity Subordination Fee$150
Legal Documentation/ Legal Process$50

Lending Fees

Visa Late Payment$25

Gift & Prepaid Cards

Visa Gift Card- Members$4
Visa Gift Card- Non Members$5

Other Fees

Statement copy$5

Fee	Amount	Basis	Note
Account Maintenance
Abandoned property account processing: Fee Amount	$50	Not stated	None
Inactive Account (after 12 months): Fee Amount	$5	Not stated	None
Account Research/Reconciliation	No charge	Not stated	None
Super Saver excess withdrawal (8 permitted per month): Fee Amount	$5	Not stated	None
Return Mail	$3	Not stated	None
Overdraft & NSF
COURTESY PAY FEE (Everyday/POS Debits/ ATM)	$28	Not stated	None
Standard Overdraft Fee	$28	per item	None
Returned Check (per transaction): Fee Amount	$28	Not stated	None
Overdraft Protection Transfer from Savings	$4	Not stated	None
ATM & Card
Visa/ATM/Debit Replacement Card	$5	Not stated	None
Wire Transfers
Wire-Out Domestic	$20	Not stated	None
Wire - In	$5	per transaction	None
Wire-Out Foreign	$50	Not stated	None
Check Services
Teller / Official Check	$3	Not stated	None
Stop Payment	$25	per item	None
Stop Payment (Per stop - 6-month expiration): Fee Amount	$25	Not stated	None
Temporary Checks	No charge	Not stated	None
Photo Copy of Share Draft	$2.50	Not stated	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Bill Pay Expedited Payment - Electronic (same day): Fee Amount	$9.95	Not stated	None
Bill Pay Expedited Payment- Check	$14.95	Not stated	None
ZELLE® (Person to Person Payments)	No charge	Not stated	None
Cash & Deposit
Coin Machine Fee - Members	No charge	Not stated	None
Returned deposit	$15	Not stated	None
Account Services
Notary	No charge	Not stated	None
Safe Deposit Box 10X10X18	$150	Not stated	None
Safe Deposit Box 3X5X1	$30	Not stated	None
Safe Deposit Box 3X5X18	$30	Not stated	None
Safe Deposit Box 5X10X18	$80	Not stated	None
Safe Deposit Box 5X5X18	$40	Not stated	None
Safe Deposit Box Break in Fee	$250	Not stated	None
Safe Deposit Products (at Seaford Branch Only): Fee Amount	$28	per transaction	None
Safe Deposit Replacement Key	$37Not compared: Box drilling or key fee	Not stated	None
Home Equity Subordination Fee	$150	Not stated	None
Legal Documentation/ Legal Process	$50	Not stated	None
Lending Fees
Visa Late Payment	$25	Not stated	None
Gift & Prepaid Cards
Visa Gift Card- Members	$4	Not stated	None
Visa Gift Card- Non Members	$5	Not stated	None
Other Fees
Statement copy	$5	Not stated	None

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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