Journey Federal Credit Union

Headquarters: Saint Johns, Michigan
Charter: Credit Union
Assets: $186.5M
Fed district: Chicago

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

Source: its fee schedule, read Oct 12, 2026.

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Fees against the market

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

Overdraft (OD)
Journey Federal Credit Union: $29
Journey Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
Journey Federal Credit Union: $29
Journey Federal Credit Union: $29
U.S. median: no median
Wire Transfer (Domestic Out)
Journey Federal Credit Union: $25
Journey Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 2026View sources

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

Account Maintenance

Inactive Account Fee (audience not stated, treated as personal)$10
per month
Account Research$25
Bad Address (returned mail)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay for Debit Transactions (audience not stated, treated as personal)$29
per item
Overdraft Privilege (ODP) Item$29
per item
Non-sufficient Funds (NSF) Item$29
per item
Overdraft Transfer$3
per item

ATM & Card

Mastercard Replacement Card$10
per item
Replacement Card (audience not stated, treated as personal)$10
per item

Wire Transfers

Domestic Wire Transfer (audience not stated, treated as personal)$25
per item
Foreign Wire Transfer (audience not stated, treated as personal)$55
per item

Check Services

Cashier Check (audience not stated, treated as personal)$3
per item
Money Order (audience not stated, treated as personal)$3
per item
Stop Payment (audience not stated, treated as personal)$29
Check Cashing Fee (audience not stated, treated as personal)$5
per item

Digital & Electronic

Bill Pay$2.50
per month

Account Services

Garnishment/Levies$100
per item

Other Fees

Quick Cash Loan Application Fee$20

Fee	Amount	Basis	Note
Account Maintenance
Inactive Account Fee (audience not stated, treated as personal)	$10	per month	None
Account Research	$25	Not stated	None
Bad Address (returned mail)	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay for Debit Transactions (audience not stated, treated as personal)	$29	per item	None
Overdraft Privilege (ODP) Item	$29	per item	None
Non-sufficient Funds (NSF) Item	$29	per item	None
Overdraft Transfer	$3	per item	None
ATM & Card
Mastercard Replacement Card	$10	per item	None
Replacement Card (audience not stated, treated as personal)	$10	per item	None
Wire Transfers
Domestic Wire Transfer (audience not stated, treated as personal)	$25	per item	None
Foreign Wire Transfer (audience not stated, treated as personal)	$55	per item	None
Check Services
Cashier Check (audience not stated, treated as personal)	$3	per item	None
Money Order (audience not stated, treated as personal)	$3	per item	None
Stop Payment (audience not stated, treated as personal)	$29	Not stated	None
Check Cashing Fee (audience not stated, treated as personal)	$5	per item	None
Digital & Electronic
Bill Pay	$2.50	per month	None
Account Services
Garnishment/Levies	$100	per item	None
Other Fees
Quick Cash Loan Application Fee	$20	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

Correct a fee source

Oct 12, 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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