Encentus Federal Credit Union

Headquarters: Tulsa, Oklahoma
Charter: Credit Union
Assets: $21.4M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 17, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $5, the middle of its prices
Encentus Federal Credit Union: $3 to $5
Encentus Federal Credit Union: $3 to $5
U.S. median: no median
Overdraft (OD)
Encentus Federal Credit Union: $29.50
Encentus Federal Credit Union: $29.50
U.S. median: no median
NSF / Returned Item
Compared at $29.75, the middle of its prices
Encentus Federal Credit Union: $29.50 to $30
Encentus Federal Credit Union: $29.50 to $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Oklahoma, the Kansas City 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).
Oklahoma: Banks and credit unions headquartered in Oklahoma that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 Encentus Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance (audience not stated, treated as personal)$5
per month
Service charge (Premier only if avg daily balance falls below $500)$5
Service charge (Rewards Blue-without Direct Deposit)$3
Account closed within 60 days of opening$5
Paper statement fee$2
per month
Excessive withdrawal fee (regular share types 01 & 02 only)$1
Returned mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy pay fee (per item)$29.50
per item
A2A NSF fee$30
Nonsufficient funds fee$29.50

ATM & Card

ATM balance inquiry$1
per item
ATM withdrawals (10 free per month)$1
per item
ATM withdrawals after ten (10) per month$1
per transaction
Non-Network ATM$1
Replacement card fee$5
per item

Wire Transfers

Wire transfers (outgoing)$15
Wire transfers (incoming)$10
Wire transfers (international)$32

Check Services

Counter draft (Cashiers Check) payable to 3rd party (EZ Green/Teen)$2
per item
Money order (EZ Green/Teen)$2
Stop payments (each)$15
per item
Collection item (incoming)$10
Copy of draft$2
per item

Digital & Electronic

Bill pay (if no activity for 3 months)$5.95
per month

Other Fees

Fax$2
Not compared: Charged per page; comparison unavailable
per page
Photocopy$2
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance (audience not stated, treated as personal)	$5	per month	None
Service charge (Premier only if avg daily balance falls below $500)	$5	Not stated	None
Service charge (Rewards Blue-without Direct Deposit)	$3	Not stated	None
Account closed within 60 days of opening	$5	Not stated	None
Paper statement fee	$2	per month	None
Excessive withdrawal fee (regular share types 01 & 02 only)	$1	Not stated	None
Returned mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy pay fee (per item)	$29.50	per item	None
A2A NSF fee	$30	Not stated	None
Nonsufficient funds fee	$29.50	Not stated	None
ATM & Card
ATM balance inquiry	$1	per item	None
ATM withdrawals (10 free per month)	$1	per item	None
ATM withdrawals after ten (10) per month	$1	per transaction	None
Non-Network ATM	$1	Not stated	None
Replacement card fee	$5	per item	None
Wire Transfers
Wire transfers (outgoing)	$15	Not stated	None
Wire transfers (incoming)	$10	Not stated	None
Wire transfers (international)	$32	Not stated	None
Check Services
Counter draft (Cashiers Check) payable to 3rd party (EZ Green/Teen)	$2	per item	None
Money order (EZ Green/Teen)	$2	Not stated	None
Stop payments (each)	$15	per item	None
Collection item (incoming)	$10	Not stated	None
Copy of draft	$2	per item	None
Digital & Electronic
Bill pay (if no activity for 3 months)	$5.95	per month	None
Other Fees
Fax	$2Not compared: Charged per page; comparison unavailable	per page	None
Photocopy	$2Not compared: Charged per page; comparison unavailable	per page	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

Oct 17, 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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