U. T. Federal Credit Union

Headquarters: Knoxville, Tennessee
Charter: Credit Union
Assets: $553.9M
Fed district: Atlanta

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

Source: its fee schedule, read Nov 3, 2026.

Explore Hamilton View published fees

Fees against the market

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

NSF / Returned Item
U. T. Federal Credit Union: $35
U. T. Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
U. T. Federal Credit Union: $1.50
U. T. Federal Credit Union: $1.50
U.S. median: no median
Wire Transfer (Domestic Out)
U. T. Federal Credit Union: $15
U. T. Federal Credit Union: $15
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 Tennessee, the Atlanta 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).
Tennessee: Banks and credit unions headquartered in Tennessee that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 U. T. Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Reconciliation$15
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Returned Check/ACH$35
per item

ATM & Card

ATM Transaction at any ATM except$1.50
per item
UTFCU Debit Card Replacement$10
per item
UTFCU Debit Card Rush Order$45
per item
Foreign transactions0.8%of the transaction

Wire Transfers

Wire Transfer (outgoing) – Consumer$15
per item
Wire Transfer (incoming)$10
per item
Wire Transfer Foreign (outgoing)$95
per item

Check Services

Cashier’s Check – Members$5
per item
Cashier’s Check – Non-members$6
per item
Stop Payment$35
per item
Foreign Item Collection$10
per item
Bill Payment Check Photocopy$2
per item
Duplicate Check Copy$2
per item

Digital & Electronic

Online ACH Origination Package$29.95
Not compared: Monthly charge, not per item
per month
Bill Payment Expedited Payment$34.95
Not compared: Per-item charge, not monthly
per item
Bill Payment Expedited Payment – 2nd$6.95
Not compared: Per-item charge, not monthly
per item
Bill Payment Personalized Donation$1.99
Not compared: Per-item charge, not monthly
per item
Bill Payment Personalized Gift Check$2.99
Not compared: Per-item charge, not monthly
per item

Account Services

Safe Deposit Boxes (audience not stated, treated as personal)$15
Not compared: Monthly charge, not annual
per month
Legal Process (Garnishment/Levy)$100
per item
Verification of Account$35
per item
Verification of Deposit – Consumer$10
per item

Gift & Prepaid Cards

Visa Gift Card$2.50
per item

Other Fees

Skip-A-Pay (Consumer Loans)$35

Fee	Amount	Basis	Note
Account Maintenance
Account Reconciliation	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Returned Check/ACH	$35	per item	None
ATM & Card
ATM Transaction at any ATM except	$1.50	per item	None
UTFCU Debit Card Replacement	$10	per item	None
UTFCU Debit Card Rush Order	$45	per item	None
Foreign transactions	0.8%of the transaction	Not stated	None
Wire Transfers
Wire Transfer (outgoing) – Consumer	$15	per item	None
Wire Transfer (incoming)	$10	per item	None
Wire Transfer Foreign (outgoing)	$95	per item	None
Check Services
Cashier’s Check – Members	$5	per item	None
Cashier’s Check – Non-members	$6	per item	None
Stop Payment	$35	per item	None
Foreign Item Collection	$10	per item	None
Bill Payment Check Photocopy	$2	per item	None
Duplicate Check Copy	$2	per item	None
Digital & Electronic
Online ACH Origination Package	$29.95Not compared: Monthly charge, not per item	per month	None
Bill Payment Expedited Payment	$34.95Not compared: Per-item charge, not monthly	per item	None
Bill Payment Expedited Payment – 2nd	$6.95Not compared: Per-item charge, not monthly	per item	None
Bill Payment Personalized Donation	$1.99Not compared: Per-item charge, not monthly	per item	None
Bill Payment Personalized Gift Check	$2.99Not compared: Per-item charge, not monthly	per item	None
Account Services
Safe Deposit Boxes (audience not stated, treated as personal)	$15Not compared: Monthly charge, not annual	per month	None
Legal Process (Garnishment/Levy)	$100	per item	None
Verification of Account	$35	per item	None
Verification of Deposit – Consumer	$10	per item	None
Gift & Prepaid Cards
Visa Gift Card	$2.50	per item	None
Other Fees
Skip-A-Pay (Consumer Loans)	$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

Account Maintenance

Account Reconciliation$15
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Returned Check/ACH$35
per item

ATM & Card

ATM Transaction at any ATM except$1.50
per item
UTFCU Debit Card Replacement$10
per item
UTFCU Debit Card Rush Order$45
per item
Foreign transactions0.8%of the transaction

Wire Transfers

Wire Transfer (incoming)$10
per item
Wire Transfer Foreign (outgoing)$95
per item

Check Services

Cashier’s Check – Members$5
per item
Cashier’s Check – Non-members$6
per item
Stop Payment$35
per item
Foreign Item Collection$10
per item
Bill Payment Check Photocopy$2
per item
Duplicate Check Copy$2
per item

Digital & Electronic

Online ACH Origination Package$29.95
Not compared: Monthly charge, not per item
per month
Bill Payment Expedited Payment$34.95
Not compared: Per-item charge, not monthly
per item
Bill Payment Expedited Payment – 2nd$29.95
Not compared: Per-item charge, not monthly
per item
Bill Payment Expedited Payment – 2nd$6.95
Not compared: Per-item charge, not monthly
per item
Bill Payment Personalized Donation$1.99
Not compared: Per-item charge, not monthly
per item
Bill Payment Personalized Gift Check$2.99
Not compared: Per-item charge, not monthly
per item

Account Services

Legal Process (Garnishment/Levy)$100
per item
Verification of Account$35
per item
Verification of Deposit – Business$20
per item

Gift & Prepaid Cards

Visa Gift Card$2.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Reconciliation	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Returned Check/ACH	$35	per item	None
ATM & Card
ATM Transaction at any ATM except	$1.50	per item	None
UTFCU Debit Card Replacement	$10	per item	None
UTFCU Debit Card Rush Order	$45	per item	None
Foreign transactions	0.8%of the transaction	Not stated	None
Wire Transfers
Wire Transfer (incoming)	$10	per item	None
Wire Transfer Foreign (outgoing)	$95	per item	None
Check Services
Cashier’s Check – Members	$5	per item	None
Cashier’s Check – Non-members	$6	per item	None
Stop Payment	$35	per item	None
Foreign Item Collection	$10	per item	None
Bill Payment Check Photocopy	$2	per item	None
Duplicate Check Copy	$2	per item	None
Digital & Electronic
Online ACH Origination Package	$29.95Not compared: Monthly charge, not per item	per month	None
Bill Payment Expedited Payment	$34.95Not compared: Per-item charge, not monthly	per item	None
Bill Payment Expedited Payment – 2nd	$29.95Not compared: Per-item charge, not monthly	per item	None
Bill Payment Expedited Payment – 2nd	$6.95Not compared: Per-item charge, not monthly	per item	None
Bill Payment Personalized Donation	$1.99Not compared: Per-item charge, not monthly	per item	None
Bill Payment Personalized Gift Check	$2.99Not compared: Per-item charge, not monthly	per item	None
Account Services
Legal Process (Garnishment/Levy)	$100	per item	None
Verification of Account	$35	per item	None
Verification of Deposit – Business	$20	per item	None
Gift & Prepaid Cards
Visa Gift Card	$2.50	per item	None

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.

Fee change alerts

Get an email when U. T. Federal Credit Union's cashier's check changes in our data

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Fees against the market

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

NSF / Returned Item
U. T. Federal Credit Union: $35
U. T. Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
U. T. Federal Credit Union: $1.50
U. T. Federal Credit Union: $1.50
U.S. median: no median
Wire Transfer (Domestic Out)
U. T. Federal Credit Union: $15
U. T. Federal Credit Union: $15
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 Tennessee, the Atlanta 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).
Tennessee: Banks and credit unions headquartered in Tennessee that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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.

Published fee schedule

Amounts from U. T. Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Reconciliation$15
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Returned Check/ACH$35
per item

ATM & Card

ATM Transaction at any ATM except$1.50
per item
UTFCU Debit Card Replacement$10
per item
UTFCU Debit Card Rush Order$45
per item
Foreign transactions0.8%of the transaction

Wire Transfers

Wire Transfer (outgoing) – Consumer$15
per item
Wire Transfer (incoming)$10
per item
Wire Transfer Foreign (outgoing)$95
per item

Check Services

Cashier’s Check – Members$5
per item
Cashier’s Check – Non-members$6
per item
Stop Payment$35
per item
Foreign Item Collection$10
per item
Bill Payment Check Photocopy$2
per item
Duplicate Check Copy$2
per item

Digital & Electronic

Online ACH Origination Package$29.95
Not compared: Monthly charge, not per item
per month
Bill Payment Expedited Payment$34.95
Not compared: Per-item charge, not monthly
per item
Bill Payment Expedited Payment – 2nd$6.95
Not compared: Per-item charge, not monthly
per item
Bill Payment Personalized Donation$1.99
Not compared: Per-item charge, not monthly
per item
Bill Payment Personalized Gift Check$2.99
Not compared: Per-item charge, not monthly
per item

Account Services

Safe Deposit Boxes (audience not stated, treated as personal)$15
Not compared: Monthly charge, not annual
per month
Legal Process (Garnishment/Levy)$100
per item
Verification of Account$35
per item
Verification of Deposit – Consumer$10
per item

Gift & Prepaid Cards

Visa Gift Card$2.50
per item

Other Fees

Skip-A-Pay (Consumer Loans)$35

Fee	Amount	Basis	Note
Account Maintenance
Account Reconciliation	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Returned Check/ACH	$35	per item	None
ATM & Card
ATM Transaction at any ATM except	$1.50	per item	None
UTFCU Debit Card Replacement	$10	per item	None
UTFCU Debit Card Rush Order	$45	per item	None
Foreign transactions	0.8%of the transaction	Not stated	None
Wire Transfers
Wire Transfer (outgoing) – Consumer	$15	per item	None
Wire Transfer (incoming)	$10	per item	None
Wire Transfer Foreign (outgoing)	$95	per item	None
Check Services
Cashier’s Check – Members	$5	per item	None
Cashier’s Check – Non-members	$6	per item	None
Stop Payment	$35	per item	None
Foreign Item Collection	$10	per item	None
Bill Payment Check Photocopy	$2	per item	None
Duplicate Check Copy	$2	per item	None
Digital & Electronic
Online ACH Origination Package	$29.95Not compared: Monthly charge, not per item	per month	None
Bill Payment Expedited Payment	$34.95Not compared: Per-item charge, not monthly	per item	None
Bill Payment Expedited Payment – 2nd	$6.95Not compared: Per-item charge, not monthly	per item	None
Bill Payment Personalized Donation	$1.99Not compared: Per-item charge, not monthly	per item	None
Bill Payment Personalized Gift Check	$2.99Not compared: Per-item charge, not monthly	per item	None
Account Services
Safe Deposit Boxes (audience not stated, treated as personal)	$15Not compared: Monthly charge, not annual	per month	None
Legal Process (Garnishment/Levy)	$100	per item	None
Verification of Account	$35	per item	None
Verification of Deposit – Consumer	$10	per item	None
Gift & Prepaid Cards
Visa Gift Card	$2.50	per item	None
Other Fees
Skip-A-Pay (Consumer Loans)	$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

Account Maintenance

Account Reconciliation$15
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Returned Check/ACH$35
per item

ATM & Card

ATM Transaction at any ATM except$1.50
per item
UTFCU Debit Card Replacement$10
per item
UTFCU Debit Card Rush Order$45
per item
Foreign transactions0.8%of the transaction

Wire Transfers

Wire Transfer (incoming)$10
per item
Wire Transfer Foreign (outgoing)$95
per item

Check Services

Cashier’s Check – Members$5
per item
Cashier’s Check – Non-members$6
per item
Stop Payment$35
per item
Foreign Item Collection$10
per item
Bill Payment Check Photocopy$2
per item
Duplicate Check Copy$2
per item

Digital & Electronic

Online ACH Origination Package$29.95
Not compared: Monthly charge, not per item
per month
Bill Payment Expedited Payment$34.95
Not compared: Per-item charge, not monthly
per item
Bill Payment Expedited Payment – 2nd$29.95
Not compared: Per-item charge, not monthly
per item
Bill Payment Expedited Payment – 2nd$6.95
Not compared: Per-item charge, not monthly
per item
Bill Payment Personalized Donation$1.99
Not compared: Per-item charge, not monthly
per item
Bill Payment Personalized Gift Check$2.99
Not compared: Per-item charge, not monthly
per item

Account Services

Legal Process (Garnishment/Levy)$100
per item
Verification of Account$35
per item
Verification of Deposit – Business$20
per item

Gift & Prepaid Cards

Visa Gift Card$2.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Reconciliation	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Returned Check/ACH	$35	per item	None
ATM & Card
ATM Transaction at any ATM except	$1.50	per item	None
UTFCU Debit Card Replacement	$10	per item	None
UTFCU Debit Card Rush Order	$45	per item	None
Foreign transactions	0.8%of the transaction	Not stated	None
Wire Transfers
Wire Transfer (incoming)	$10	per item	None
Wire Transfer Foreign (outgoing)	$95	per item	None
Check Services
Cashier’s Check – Members	$5	per item	None
Cashier’s Check – Non-members	$6	per item	None
Stop Payment	$35	per item	None
Foreign Item Collection	$10	per item	None
Bill Payment Check Photocopy	$2	per item	None
Duplicate Check Copy	$2	per item	None
Digital & Electronic
Online ACH Origination Package	$29.95Not compared: Monthly charge, not per item	per month	None
Bill Payment Expedited Payment	$34.95Not compared: Per-item charge, not monthly	per item	None
Bill Payment Expedited Payment – 2nd	$29.95Not compared: Per-item charge, not monthly	per item	None
Bill Payment Expedited Payment – 2nd	$6.95Not compared: Per-item charge, not monthly	per item	None
Bill Payment Personalized Donation	$1.99Not compared: Per-item charge, not monthly	per item	None
Bill Payment Personalized Gift Check	$2.99Not compared: Per-item charge, not monthly	per item	None
Account Services
Legal Process (Garnishment/Levy)	$100	per item	None
Verification of Account	$35	per item	None
Verification of Deposit – Business	$20	per item	None
Gift & Prepaid Cards
Visa Gift Card	$2.50	per item	None

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.