Metro Federal Credit Union

Headquarters: Arlington Heights, Illinois
Charter: Credit Union
Assets: $80.0M
Fed district: Chicago

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

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

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Basic (Regular) Checking $5 · Premier Checking $8 · Platinum Checking $10
Compared at $8, the middle of its prices
Metro Federal Credit Union: $5 to $10
Metro Federal Credit Union: $5 to $10
U.S. median: no median
NSF / Returned Item
Metro Federal Credit Union: $30
Metro Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Metro Federal Credit Union: $1
Metro Federal Credit Union: $1
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 Illinois, 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).
Illinois: Banks and credit unions headquartered in Illinois 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 Metro Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee (Basic (Regular) Checking)$5
per month
Platinum Checking Monthly Service Charge$10
per month
Premier Checking Monthly Service Charge$8
per month
Monthly minimum balance fee$3
per month
Monthly Minimum Balance FeeNo charge
per month
Monthly Minimum Balance Fee$5
per month
Account Closed within 90 days$20
Dormant Account Fee$5
Inactive Account Fee$6
per month
Account Reconcilement/Research Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee – Online Banking Users$1.50
Returned Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Non-Sufficient(NSF)/Uncollected Funds/Returned Fee$30
per item
Share/Loan Overdraft Protection Transfer$15
per item

ATM & Card

ATM Inquiries$1
ATM Withdrawals$1
Debit Card/Pin Replacement Fee$10
per item
VISA Card Rush Fee$25

Check Services

Cashiers Check Fee$5
Stop Payment Request$20
per item
Stop Payment Request on Check Range$30
Temporary Checks (4)$1
Non-Member Check Cashing Fee$15
Check Copy Fee$3
per item
Merchant Draft Copy Fee$15

Digital & Electronic

Monthly Online Bill Payment Fee$4.50
per month

Cash & Deposit

Coin CountingNo charge
Coin Counting Fee1%
Coin Counting Fee (audience not stated, treated as personal)1%
Non-Metro VISA Cash Advance Fee$15
Returned Check Fee$25

Account Services

Notary serviceNo charge
IRS/State Account Levy Processing Fee$49
Subordination Agreement Processing Fee$250
Subpoena/Information Request Fee$49
per item
Verification of Account Request$10

Lending Fees

Late Payment Fee$30
Loan Late Payment Fee$30
Appraisal Fee$400

Vehicle & Title

Vehicle Title Recording Fee$98

Gift & Prepaid Cards

VISA Gift Card$4.50

Other Fees

Statement Copy Fee$5
Initial Loan Application Fee$10

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee (Basic (Regular) Checking)	$5	per month	None
Platinum Checking Monthly Service Charge	$10	per month	None
Premier Checking Monthly Service Charge	$8	per month	None
Monthly minimum balance fee	$3	per month	None
Monthly Minimum Balance Fee	No charge	per month	None
Monthly Minimum Balance Fee	$5	per month	None
Account Closed within 90 days	$20	Not stated	None
Dormant Account Fee	$5	Not stated	None
Inactive Account Fee	$6	per month	None
Account Reconcilement/Research Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee – Online Banking Users	$1.50	Not stated	None
Returned Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Non-Sufficient(NSF)/Uncollected Funds/Returned Fee	$30	per item	None
Share/Loan Overdraft Protection Transfer	$15	per item	None
ATM & Card
ATM Inquiries	$1	Not stated	None
ATM Withdrawals	$1	Not stated	None
Debit Card/Pin Replacement Fee	$10	per item	None
VISA Card Rush Fee	$25	Not stated	None
Check Services
Cashiers Check Fee	$5	Not stated	None
Stop Payment Request	$20	per item	None
Stop Payment Request on Check Range	$30	Not stated	None
Temporary Checks (4)	$1	Not stated	None
Non-Member Check Cashing Fee	$15	Not stated	None
Check Copy Fee	$3	per item	None
Merchant Draft Copy Fee	$15	Not stated	None
Digital & Electronic
Monthly Online Bill Payment Fee	$4.50	per month	None
Cash & Deposit
Coin Counting	No charge	Not stated	None
Coin Counting Fee	1%	Not stated	None
Coin Counting Fee (audience not stated, treated as personal)	1%	Not stated	None
Non-Metro VISA Cash Advance Fee	$15	Not stated	None
Returned Check Fee	$25	Not stated	None
Account Services
Notary service	No charge	Not stated	None
IRS/State Account Levy Processing Fee	$49	Not stated	None
Subordination Agreement Processing Fee	$250	Not stated	None
Subpoena/Information Request Fee	$49	per item	None
Verification of Account Request	$10	Not stated	None
Lending Fees
Late Payment Fee	$30	Not stated	None
Loan Late Payment Fee	$30	Not stated	None
Appraisal Fee	$400	Not stated	None
Vehicle & Title
Vehicle Title Recording Fee	$98	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$4.50	Not stated	None
Other Fees
Statement Copy Fee	$5	Not stated	None
Initial Loan Application Fee	$10	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

Business Checking Monthly Minimum Balance Fee$5
per month
Business Savings Monthly Minimum Balance Fee$5
per month

Fee	Amount	Basis	Note
Account Maintenance
Business Checking Monthly Minimum Balance Fee	$5	per month	None
Business Savings Monthly Minimum Balance Fee	$5	per month	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.

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Fees against the market

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

Monthly Maintenance
Basic (Regular) Checking $5 · Premier Checking $8 · Platinum Checking $10
Compared at $8, the middle of its prices
Metro Federal Credit Union: $5 to $10
Metro Federal Credit Union: $5 to $10
U.S. median: no median
NSF / Returned Item
Metro Federal Credit Union: $30
Metro Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Metro Federal Credit Union: $1
Metro Federal Credit Union: $1
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 Illinois, 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).
Illinois: Banks and credit unions headquartered in Illinois 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.

Published fee schedule

Amounts from Metro Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee (Basic (Regular) Checking)$5
per month
Platinum Checking Monthly Service Charge$10
per month
Premier Checking Monthly Service Charge$8
per month
Monthly minimum balance fee$3
per month
Monthly Minimum Balance FeeNo charge
per month
Monthly Minimum Balance Fee$5
per month
Account Closed within 90 days$20
Dormant Account Fee$5
Inactive Account Fee$6
per month
Account Reconcilement/Research Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee – Online Banking Users$1.50
Returned Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Non-Sufficient(NSF)/Uncollected Funds/Returned Fee$30
per item
Share/Loan Overdraft Protection Transfer$15
per item

ATM & Card

ATM Inquiries$1
ATM Withdrawals$1
Debit Card/Pin Replacement Fee$10
per item
VISA Card Rush Fee$25

Check Services

Cashiers Check Fee$5
Stop Payment Request$20
per item
Stop Payment Request on Check Range$30
Temporary Checks (4)$1
Non-Member Check Cashing Fee$15
Check Copy Fee$3
per item
Merchant Draft Copy Fee$15

Digital & Electronic

Monthly Online Bill Payment Fee$4.50
per month

Cash & Deposit

Coin CountingNo charge
Coin Counting Fee1%
Coin Counting Fee (audience not stated, treated as personal)1%
Non-Metro VISA Cash Advance Fee$15
Returned Check Fee$25

Account Services

Notary serviceNo charge
IRS/State Account Levy Processing Fee$49
Subordination Agreement Processing Fee$250
Subpoena/Information Request Fee$49
per item
Verification of Account Request$10

Lending Fees

Late Payment Fee$30
Loan Late Payment Fee$30
Appraisal Fee$400

Vehicle & Title

Vehicle Title Recording Fee$98

Gift & Prepaid Cards

VISA Gift Card$4.50

Other Fees

Statement Copy Fee$5
Initial Loan Application Fee$10

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee (Basic (Regular) Checking)	$5	per month	None
Platinum Checking Monthly Service Charge	$10	per month	None
Premier Checking Monthly Service Charge	$8	per month	None
Monthly minimum balance fee	$3	per month	None
Monthly Minimum Balance Fee	No charge	per month	None
Monthly Minimum Balance Fee	$5	per month	None
Account Closed within 90 days	$20	Not stated	None
Dormant Account Fee	$5	Not stated	None
Inactive Account Fee	$6	per month	None
Account Reconcilement/Research Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee – Online Banking Users	$1.50	Not stated	None
Returned Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Non-Sufficient(NSF)/Uncollected Funds/Returned Fee	$30	per item	None
Share/Loan Overdraft Protection Transfer	$15	per item	None
ATM & Card
ATM Inquiries	$1	Not stated	None
ATM Withdrawals	$1	Not stated	None
Debit Card/Pin Replacement Fee	$10	per item	None
VISA Card Rush Fee	$25	Not stated	None
Check Services
Cashiers Check Fee	$5	Not stated	None
Stop Payment Request	$20	per item	None
Stop Payment Request on Check Range	$30	Not stated	None
Temporary Checks (4)	$1	Not stated	None
Non-Member Check Cashing Fee	$15	Not stated	None
Check Copy Fee	$3	per item	None
Merchant Draft Copy Fee	$15	Not stated	None
Digital & Electronic
Monthly Online Bill Payment Fee	$4.50	per month	None
Cash & Deposit
Coin Counting	No charge	Not stated	None
Coin Counting Fee	1%	Not stated	None
Coin Counting Fee (audience not stated, treated as personal)	1%	Not stated	None
Non-Metro VISA Cash Advance Fee	$15	Not stated	None
Returned Check Fee	$25	Not stated	None
Account Services
Notary service	No charge	Not stated	None
IRS/State Account Levy Processing Fee	$49	Not stated	None
Subordination Agreement Processing Fee	$250	Not stated	None
Subpoena/Information Request Fee	$49	per item	None
Verification of Account Request	$10	Not stated	None
Lending Fees
Late Payment Fee	$30	Not stated	None
Loan Late Payment Fee	$30	Not stated	None
Appraisal Fee	$400	Not stated	None
Vehicle & Title
Vehicle Title Recording Fee	$98	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$4.50	Not stated	None
Other Fees
Statement Copy Fee	$5	Not stated	None
Initial Loan Application Fee	$10	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

Business Checking Monthly Minimum Balance Fee$5
per month
Business Savings Monthly Minimum Balance Fee$5
per month

Fee	Amount	Basis	Note
Account Maintenance
Business Checking Monthly Minimum Balance Fee	$5	per month	None
Business Savings Monthly Minimum Balance Fee	$5	per month	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.