Eastern Panhandle Federal Credit Union

Headquarters: Martinsburg, West Virginia
Charter: Credit Union
Assets: $18.8M
Fed district: Richmond

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Overdraft (OD)
Eastern Panhandle Federal Credit Union: $29
Eastern Panhandle Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
Eastern Panhandle Federal Credit Union: $29
Eastern Panhandle Federal Credit Union: $29
U.S. median: no median
Wire Transfer (Domestic Out)
Eastern Panhandle Federal Credit Union: $15
Eastern Panhandle 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 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for West Virginia, 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).
West Virginia: Banks and credit unions headquartered in West Virginia 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 Eastern Panhandle Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$5
per item
Account Reconciliation$10
per item
Account Research$10
per item

Overdraft & NSF

ACH Overdraft$29
per item
Debit Card Overdraft - if opted in$29
per item
Overdraft Protection - if opted in$29
per item
NSF$29
per item
Returned Items$29
per item

ATM & Card

Card Replacement$5

Wire Transfers

Wire Transfer - Outgoing$15
per item
Wire Transfer - Incoming$15
per item

Check Services

Money Order$3
per item
Stop Payment$10
per item
Items Sent for Collection$29
per item
Copy of Check$10
per item

Digital & Electronic

ACH Return$29
per item
Dormant Bill Pay Account$5
per month

Cash & Deposit

Deposited Item Return$29
per item

Account Services

Safe Deposit Box 10" x 10"$80
per year
Safe Deposit Box 3" x 10"$35
per year
Safe Deposit Box 3" X 5"$20
per year
Statement Fees 5" x 5" Box$30
per year

Gift & Prepaid Cards

Visa Gift Card$3
per item

Other Fees

Fax: Incoming$0.50
Fax: Outgoing - Local$0.50
Photocopy$0.10
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$5	per item	None
Account Reconciliation	$10	per item	None
Account Research	$10	per item	None
Overdraft & NSF
ACH Overdraft	$29	per item	None
Debit Card Overdraft - if opted in	$29	per item	None
Overdraft Protection - if opted in	$29	per item	None
NSF	$29	per item	None
Returned Items	$29	per item	None
ATM & Card
Card Replacement	$5	Not stated	None
Wire Transfers
Wire Transfer - Outgoing	$15	per item	None
Wire Transfer - Incoming	$15	per item	None
Check Services
Money Order	$3	per item	None
Stop Payment	$10	per item	None
Items Sent for Collection	$29	per item	None
Copy of Check	$10	per item	None
Digital & Electronic
ACH Return	$29	per item	None
Dormant Bill Pay Account	$5	per month	None
Cash & Deposit
Deposited Item Return	$29	per item	None
Account Services
Safe Deposit Box 10" x 10"	$80	per year	None
Safe Deposit Box 3" x 10"	$35	per year	None
Safe Deposit Box 3" X 5"	$20	per year	None
Statement Fees 5" x 5" Box	$30	per year	None
Gift & Prepaid Cards
Visa Gift Card	$3	per item	None
Other Fees
Fax: Incoming	$0.50	Not stated	None
Fax: Outgoing - Local	$0.50	Not stated	None
Photocopy	$0.10	per item	None

Correct a fee source

Nov 1, 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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