Elements Financial Federal Credit Union

Headquarters: Indianapolis, Indiana
Charter: Credit Union
Assets: $2.5B
Fed district: Chicago

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

Source: its fee schedule, read Oct 5, 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 $10, the middle of its prices
Elements Financial Federal Credit Union: $5 to $25
Elements Financial Federal Credit Union: $5 to $25
U.S. median: no median
Overdraft (OD)
Elements Financial Federal Credit Union: $25
Elements Financial Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Elements Financial Federal Credit Union: $25
Elements Financial 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 5, 2026View sources

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

Account Maintenance

Maintenance Service Charge$25
per month
Maintenance Service Charge$10
per month
Without the above criteria - Maintenance Service Charge$5
per month
Inactivity Fee$5
per month
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
All Checking and Savings Accounts EXCEPT Grow Account, Student Edge, IRA Savings: Account Reconciliation$25
Not compared: CD/IRA fee

Overdraft & NSF

Insufficient Funds Charge (Paid) fee$25
per item
Insufficient Funds Charge (Returned) Fee$25
per item

ATM & Card

Debit Card Replacement Fee$5
per item
Debit Card Rush Fee$50
Debit Card International transaction fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Check Printing: Domestic Wire Wth Fee (Domestic outgoing)$25
per item
International Wire Withdrawal (International outgoing)$50
per item

Check Services

Cashier’s Check (no minimum amount) Shared Branch CU member$5
Not compared: Monthly charge, not per item
per month
For Members 25 and older, assessed if checking and savings accounts have had no activity for at: Stop Payment Fee$32
per item
Check Copy Fee$5
per item

Digital & Electronic

ACH Origination$30
Not compared: Monthly charge, not per item
per month
2nd Business Day Bill Pay for Non-Electronic Merchants$29.95
per month
Bill Pay Fees$10
per month
Next Day Bill Pay for Non-Electronic Merchants$34.95
Not compared: Per-item charge, not monthly
per item

Account Services

Court Hold/Levy$25
per item
Verification of Deposit$10
per item

Other Fees

Extended Overdraft Privilege: Statement Copy Fee$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Maintenance Service Charge	$25	per month	None
Maintenance Service Charge	$10	per month	None
Without the above criteria - Maintenance Service Charge	$5	per month	None
Inactivity Fee	$5	per month	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
All Checking and Savings Accounts EXCEPT Grow Account, Student Edge, IRA Savings: Account Reconciliation	$25Not compared: CD/IRA fee	Not stated	None
Overdraft & NSF
Insufficient Funds Charge (Paid) fee	$25	per item	None
Insufficient Funds Charge (Returned) Fee	$25	per item	None
ATM & Card
Debit Card Replacement Fee	$5	per item	None
Debit Card Rush Fee	$50	Not stated	None
Debit Card International transaction fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Check Printing: Domestic Wire Wth Fee (Domestic outgoing)	$25	per item	None
International Wire Withdrawal (International outgoing)	$50	per item	None
Check Services
Cashier’s Check (no minimum amount) Shared Branch CU member	$5Not compared: Monthly charge, not per item	per month	None
For Members 25 and older, assessed if checking and savings accounts have had no activity for at: Stop Payment Fee	$32	per item	None
Check Copy Fee	$5	per item	None
Digital & Electronic
ACH Origination	$30Not compared: Monthly charge, not per item	per month	None
2nd Business Day Bill Pay for Non-Electronic Merchants	$29.95	per month	None
Bill Pay Fees	$10	per month	None
Next Day Bill Pay for Non-Electronic Merchants	$34.95Not compared: Per-item charge, not monthly	per item	None
Account Services
Court Hold/Levy	$25	per item	None
Verification of Deposit	$10	per item	None
Other Fees
Extended Overdraft Privilege: Statement Copy Fee	$5	per item	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 5, 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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