Dowagiac Area Federal Credit Union

Headquarters: Dowagiac, Michigan
Charter: Credit Union
Assets: $26.0M
Fed district: Chicago

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

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

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Fees against the market

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

Monthly Maintenance
Share Draft (Checking)
Can be waived with a balance of $50 or more.
Dowagiac Area Federal Credit Union: $5
Dowagiac Area Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Dowagiac Area Federal Credit Union: $30
Dowagiac Area Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Dowagiac Area Federal Credit Union: $25
Dowagiac Area Federal Credit Union: $25
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 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 Dowagiac Area Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly service fee$5
per month · waived for members 23 & under and 62 & older
Account Closing Fee Member closes account Within 90 days of opening$20
Account Reconciliation Fee Per hour charge$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay Fee$30
Non-sufficient Funds Fee (NSF) Share draft/ACH/ATM/Debit Card$25

Wire Transfers

Wire Transfer Fees: Domestic$20
Incoming Wires$15

Check Services

Money Orders$2
Stop Payment (per item) Share draft/ACH$25
per item
Draft Copy fees - Per draft$2
per item

Cash & Deposit

Returned Item Fee Member deposited item Drawn on another institution$10

Account Services

Tax Levy/Garnishment Fee$25

Other Fees

Statement Copy - Per month$3
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee	$5	per month	waived for members 23 & under and 62 & older
Account Closing Fee Member closes account Within 90 days of opening	$20	Not stated	None
Account Reconciliation Fee Per hour charge	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay Fee	$30	Not stated	None
Non-sufficient Funds Fee (NSF) Share draft/ACH/ATM/Debit Card	$25	Not stated	None
Wire Transfers
Wire Transfer Fees: Domestic	$20	Not stated	None
Incoming Wires	$15	Not stated	None
Check Services
Money Orders	$2	Not stated	None
Stop Payment (per item) Share draft/ACH	$25	per item	None
Draft Copy fees - Per draft	$2	per item	None
Cash & Deposit
Returned Item Fee Member deposited item Drawn on another institution	$10	Not stated	None
Account Services
Tax Levy/Garnishment Fee	$25	Not stated	None
Other Fees
Statement Copy - Per month	$3Not compared: Monthly charge, not per item	per month	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

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