Schoolsfirst Federal Credit Union

Headquarters: Santa Ana, California
Charter: Credit Union
Assets: $37.2B
Fed district: San Francisco

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

Source: its fee schedule, read Oct 18, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Investment Checking
Schoolsfirst Federal Credit Union: $3
Schoolsfirst Federal Credit Union: $3
U.S. median: no median
Overdraft (OD)
Schoolsfirst Federal Credit Union: $22
Schoolsfirst Federal Credit Union: $22
U.S. median: no median
NSF / Returned Item
Schoolsfirst Federal Credit Union: $22
Schoolsfirst Federal Credit Union: $22
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

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

Account Maintenance

Investment Checking Monthly service charge$3
per month
Account Maintenance (after 24 months of inactivity)$2
per month

Overdraft & NSF

Standard Overdraft$22
• Standard Overdraft — any payment instrument or payment method, including check, ACH, debit card transactions or other electronic transaction presented against a non-sufficient funds (NSF) available balance and paid* ... $22 *No more than three NSF or Overdraft fees are charged per share, per day.
NSF$22
• NSF — any payment instrument or payment method, including check, ACH or other electronic transaction presented against a non-sufficient funds (NSF) available balance and returned* ... $22 *No more than three NSF or Overdraft fees are charged per share, per day.

ATM & Card

Each transaction at any other ATM (audience not stated, treated as personal)$2
per transaction
ATM/Debit Card Replacement (per card)$5
per item

Wire Transfers

Wire transfer— outgoing — domestic$20
Wire transfer — outgoing — international$45

Check Services

Cashier’s Checks payable to a third party (per check)$5
per item
Money Order (per money order)$1
per item
Stop payment$15
Non-Member check cashing fee (per check)$5
per item

Account Services

Notary Service (per notary signature)$10
per item
Legal Process fee (levies, garnishments, etc.)$25

Fee	Amount	Basis	Note
Account Maintenance
Investment Checking Monthly service charge	$3	per month	None
Account Maintenance (after 24 months of inactivity)	$2	per month	None
Overdraft & NSF
Standard Overdraft	$22	Not stated	• Standard Overdraft — any payment instrument or payment method, including check, ACH, debit card transactions or other electronic transaction presented against a non-sufficient funds (NSF) available balance and paid* ... $22 *No more than three NSF or Overdraft fees are charged per share, per day.
NSF	$22	Not stated	• NSF — any payment instrument or payment method, including check, ACH or other electronic transaction presented against a non-sufficient funds (NSF) available balance and returned* ... $22 *No more than three NSF or Overdraft fees are charged per share, per day.
ATM & Card
Each transaction at any other ATM (audience not stated, treated as personal)	$2	per transaction	None
ATM/Debit Card Replacement (per card)	$5	per item	None
Wire Transfers
Wire transfer— outgoing — domestic	$20	Not stated	None
Wire transfer — outgoing — international	$45	Not stated	None
Check Services
Cashier’s Checks payable to a third party (per check)	$5	per item	None
Money Order (per money order)	$1	per item	None
Stop payment	$15	Not stated	None
Non-Member check cashing fee (per check)	$5	per item	None
Account Services
Notary Service (per notary signature)	$10	per item	None
Legal Process fee (levies, garnishments, etc.)	$25	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

Oct 18, 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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