Ardent Federal Credit Union

Headquarters: Phila, Pennsylvania
Charter: Credit Union
Assets: $869.3M
Fed district: Philadelphia

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

Source: its fee schedule, read Oct 3, 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
Empower Checking
Ardent Federal Credit Union: $10
Ardent Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Ardent Federal Credit Union: $32
Ardent Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Ardent Federal Credit Union: $32
Ardent Federal Credit Union: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 3, 2026View sources

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

Account Maintenance

Empower Checking monthly service fee$10
per month
Deposit account closure$50
Dormancy$10
per month
Account research$25
Not compared: Charged per hour; comparison unavailable
per hour
Mailed statement$3
per month

Overdraft & NSF

Ardent courtesy pay (overdraft)$32
NSF item (non-sufficient funds)$32
Overdraft transfer (automated)$5

ATM & Card

ATM card withdrawal, purchase (POS)$3
Visa/ATM card replacement$5

Wire Transfers

Domestic outgoing wires$35

Check Services

Cashier’s Check$5
Stop payment (check and ACH)$32
On-us check cashing (non-member)$5
Check copy$5

Cash & Deposit

Returned item$20

Account Services

Tax lien & garnishment$100
Account verification$15

Gift & Prepaid Cards

Gift card instant issue (branch)$4.95

Other Fees

Statement copy$5

Fee	Amount	Basis	Note
Account Maintenance
Empower Checking monthly service fee	$10	per month	None
Deposit account closure	$50	Not stated	None
Dormancy	$10	per month	None
Account research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed statement	$3	per month	None
Overdraft & NSF
Ardent courtesy pay (overdraft)	$32	Not stated	None
NSF item (non-sufficient funds)	$32	Not stated	None
Overdraft transfer (automated)	$5	Not stated	None
ATM & Card
ATM card withdrawal, purchase (POS)	$3	Not stated	None
Visa/ATM card replacement	$5	Not stated	None
Wire Transfers
Domestic outgoing wires	$35	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Stop payment (check and ACH)	$32	Not stated	None
On-us check cashing (non-member)	$5	Not stated	None
Check copy	$5	Not stated	None
Cash & Deposit
Returned item	$20	Not stated	None
Account Services
Tax lien & garnishment	$100	Not stated	None
Account verification	$15	Not stated	None
Gift & Prepaid Cards
Gift card instant issue (branch)	$4.95	Not stated	None
Other Fees
Statement copy	$5	Not stated	None

Correct a fee source

Oct 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.

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