24 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 3, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $9.50, the middle of its prices
NSF / Returned Item
Non-Network ATM
Compared at $1.50, the middle of its prices
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Bayou City Federal Credit Union · $24M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Bayou City Federal Credit Union(this institution) | Houston, TX | $24M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Advantage One Federal Credit Union | Morrison, IL | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Alliance Niagara Federal Credit Union | Sanborn, NY | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ang Federal Credit Union | Birmingham, AL | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Billerica Municipal Employees Federal Credit Union | Billerica, MA | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Chattahoochee Federal Credit Union | Valley, AL | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Financial Educators Federal Credit Union | Daytona Beach, FL | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hamakua Federal Credit Union | Pepeekeo, HI | $23M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Highway Crossroads Federal Credit Union | Sikeston, MO | $24M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Honeywell Philadelphia Div Federal Credit Union | Ft Washington, PA | $24M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Kennedy Va Employees Federal Credit Union | Memphis, TN | $24M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Main Impact Federal Credit Union | Murray, KY | $23M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mid-State Federal Credit Union | Carteret, NJ | $23M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mint Valley Federal Credit Union | Longview, WA | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Monroe County Teachers Federal Credit Union | Key West, FL | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| N.F.G. #2 Federal Credit Union | Warren, PA | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ok Members First Federal Credit Union | Tulsa, OK | $24M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Priority Plus Federal Credit Union | Wilmington, DE | $23M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| S C I Federal Credit Union | Florence, SC | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sylvania Area Federal Credit Union | Sylvania, OH | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Tee-Pak Federal Credit Union | Danville, IL | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texas People Federal Credit Union | Fort Worth, TX | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Thiokol Elkton Federal Credit Union | Elkton, MD | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Unite Federal Credit Union | Cedar Falls, IA | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Westmoreland Water Federal Credit Union | Greensburg, PA | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wolf Point Federal Credit Union | Wolf Point, MT | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $9.50, the middle of its two prices, against a peer median of $5 among 8 publishing peers.
Its two checking prices are $7 and $12.
$9.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Amounts from Bayou City Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per year
per month
per hour
per day
per month
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per item
per item
| 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
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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