Element Federal Credit Union

Headquarters: Charleston, West Virginia
Charter: Credit Union
Assets: $47.3M
Fed district: Richmond

26 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.

Overdraft (OD)
Element Federal Credit Union: $20
Element Federal Credit Union: $20
U.S. median: no median
NSF / Returned Item
Element Federal Credit Union: $25
Element Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Element Federal Credit Union: $30
Element Federal Credit Union: $30
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 West Virginia, the Richmond 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).
West Virginia: Banks and credit unions headquartered in West Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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 Element Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure$25
Inactive Account$25
per month
Account reconciliation$40
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement$3
Wrong Address$5

Overdraft & NSF

Courtesy Pay$20
Non-Sufficient Funds Return$25
Returned Check/ACH$25
per item
Overdraft Transfer$1
per item

ATM & Card

Debit Card Replacement$5

Wire Transfers

Wire Transfer - Outgoing$30
per item
Wire Transfer - Incoming$15
per item

Check Services

Cashier's Check$3
per item
Money Order$3
per item
Stop Payment$20
Counter ChecksNo charge
Check Cashing$5
per item
Foreign Item Collection$35
per item
Check Copy - in branch$5
per item
Check Copy - onlineNo charge

Digital & Electronic

Bill Pay Inactive Fee$6
Bill Pay ServiceNo charge

Cash & Deposit

Coin Machine10%
Returned Deposit Item$25
per item

Account Services

Notary ServiceNo charge
Safe Deposit Box Rent$20
per year
Legal Process$50
Verification of Deposit$25
per item

Retirement & IRA

IRA Closure$25

Gift & Prepaid Cards

VISA Gift Card$3

Other Fees

Outgoing Fax$5
Photocopy$1
Not compared: Charged per page; comparison unavailable
per page
Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure	$25	Not stated	None
Inactive Account	$25	per month	None
Account reconciliation	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement	$3	Not stated	None
Wrong Address	$5	Not stated	None
Overdraft & NSF
Courtesy Pay	$20	Not stated	None
Non-Sufficient Funds Return	$25	Not stated	None
Returned Check/ACH	$25	per item	None
Overdraft Transfer	$1	per item	None
ATM & Card
Debit Card Replacement	$5	Not stated	None
Wire Transfers
Wire Transfer - Outgoing	$30	per item	None
Wire Transfer - Incoming	$15	per item	None
Check Services
Cashier's Check	$3	per item	None
Money Order	$3	per item	None
Stop Payment	$20	Not stated	None
Counter Checks	No charge	Not stated	None
Check Cashing	$5	per item	None
Foreign Item Collection	$35	per item	None
Check Copy - in branch	$5	per item	None
Check Copy - online	No charge	Not stated	None
Digital & Electronic
Bill Pay Inactive Fee	$6	Not stated	None
Bill Pay Service	No charge	Not stated	None
Cash & Deposit
Coin Machine	10%	Not stated	None
Returned Deposit Item	$25	per item	None
Account Services
Notary Service	No charge	Not stated	None
Safe Deposit Box Rent	$20	per year	None
Legal Process	$50	Not stated	None
Verification of Deposit	$25	per item	None
Retirement & IRA
IRA Closure	$25	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$3	Not stated	None
Other Fees
Outgoing Fax	$5	Not stated	None
Photocopy	$1Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$5	Not stated	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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