Bayou City Federal Credit Union

Headquarters: Houston, Texas
Charter: Credit Union
Assets: $23.8M
Fed district: Dallas

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

Source: its fee schedule, read Nov 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
Compared at $9.50, the middle of its prices
Bayou City Federal Credit Union: $7 to $12
Bayou City Federal Credit Union: $7 to $12
U.S. median: no median
NSF / Returned Item
Bayou City Federal Credit Union: $30
Bayou City Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Compared at $1.50, the middle of its prices
Bayou City Federal Credit Union: $1 to $2
Bayou City Federal Credit Union: $1 to $2
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 Texas, the Dallas 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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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 Bayou City Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Charge - 5 Star Chk$12
per month
Monthly Service Charge - Regular Chk$7
per month
Low Balance Share Account Fee (A only)$1
per month
Account Escheat$25
Not compared: Annual charge, not monthly
per year
Monthly Inactivity$10
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Debit Card Dispute Denial Fee$30
Not compared: Daily charge, not per item
per day
Excessive Withdrawal$3
Return Mail Fee$5
per month

Overdraft & NSF

All Insufficient Funds (NSF)$30
Overdraft or Negative Acct. Transfer$6
per item

ATM & Card

ATM Balance Inquiry$1
ATM Transactions$2
Card Replacement (Mailed Debit & Credit)$10
per item
Card Replacement (Temporary Card)$15
per item
Card Order Rush Fee - Next Day$55
per item

Wire Transfers

Wire Transfer - Domestic ONLY$15
per item
Wire Transfer - Domestic ONLY$10
per item

Check Services

Official Teller Check$4
per item
Money Orders$1
All Stop Payments$30
Temporary Checks/Deposit Slips$5
Non-member Check cashing fee (audience not stated, treated as personal)2%($5 minimum)
Non-member Check cashing fee2%($5 minimum)
Share draft / Check Copy$5
per item

Digital & Electronic

ACH Origination Fee$15
per item

Cash & Deposit

Credit Card Cash Advance Fee$10
per item
Deposited Check Return Fee$25
per item

Account Services

Tax Levy, Garnishment, Freeze, etc$50
per item
Account Verification$10

Lending Fees

Late Fee (audience not stated, treated as personal)10%($50 maximum)
Late Fee10%($50 maximum)

Vehicle & Title

Lost Title / Lien Release, (initial release NC)$10

Other Fees

Photocopies$2
Statement Copy$5
Not compared: Monthly charge, not per item
per month
Loan Application$10
Refinance Exisiting BCFCU Auto Loan Fee$35

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge - 5 Star Chk	$12	per month	None
Monthly Service Charge - Regular Chk	$7	per month	None
Low Balance Share Account Fee (A only)	$1	per month	None
Account Escheat	$25Not compared: Annual charge, not monthly	per year	None
Monthly Inactivity	$10	per month	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Debit Card Dispute Denial Fee	$30Not compared: Daily charge, not per item	per day	None
Excessive Withdrawal	$3	Not stated	None
Return Mail Fee	$5	per month	None
Overdraft & NSF
All Insufficient Funds (NSF)	$30	Not stated	None
Overdraft or Negative Acct. Transfer	$6	per item	None
ATM & Card
ATM Balance Inquiry	$1	Not stated	None
ATM Transactions	$2	Not stated	None
Card Replacement (Mailed Debit & Credit)	$10	per item	None
Card Replacement (Temporary Card)	$15	per item	None
Card Order Rush Fee - Next Day	$55	per item	None
Wire Transfers
Wire Transfer - Domestic ONLY	$15	per item	None
Wire Transfer - Domestic ONLY	$10	per item	None
Check Services
Official Teller Check	$4	per item	None
Money Orders	$1	Not stated	None
All Stop Payments	$30	Not stated	None
Temporary Checks/Deposit Slips	$5	Not stated	None
Non-member Check cashing fee (audience not stated, treated as personal)	2%($5 minimum)	Not stated	None
Non-member Check cashing fee	2%($5 minimum)	Not stated	None
Share draft / Check Copy	$5	per item	None
Digital & Electronic
ACH Origination Fee	$15	per item	None
Cash & Deposit
Credit Card Cash Advance Fee	$10	per item	None
Deposited Check Return Fee	$25	per item	None
Account Services
Tax Levy, Garnishment, Freeze, etc	$50	per item	None
Account Verification	$10	Not stated	None
Lending Fees
Late Fee (audience not stated, treated as personal)	10%($50 maximum)	Not stated	None
Late Fee	10%($50 maximum)	Not stated	None
Vehicle & Title
Lost Title / Lien Release, (initial release NC)	$10	Not stated	None
Other Fees
Photocopies	$2	Not stated	None
Statement Copy	$5Not compared: Monthly charge, not per item	per month	None
Loan Application	$10	Not stated	None
Refinance Exisiting BCFCU Auto Loan Fee	$35	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

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.

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