Argent Federal Credit Union

Headquarters: Chesterfield, Virginia
Charter: Credit Union
Assets: $571.8M
Fed district: Richmond

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

Source: its fee schedule, read Oct 10, 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
Premium Checking
Argent Federal Credit Union: $6
Argent Federal Credit Union: $6
U.S. median: no median
Overdraft (OD)
Argent Federal Credit Union: $30
Argent Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Argent Federal Credit Union: $30
Argent Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

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

Account Maintenance

Premium Checking Maintenance Fee$6
per month
Penalty for Early Closing for Holiday and Vacation Clubs only$12.50
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawal for Holiday and Vacation Clubs only$10
per item
Excessive Withdrawal (of any kind, if over 6 per month)$30
per item
Bad Address$5
per month

Overdraft & NSF

Check Privilege (also referred to as Courtesy Pay)$30
per item
Non-Sufficient Funds (NSF)$30
per item
NSF/CheckPrivilege Fee$30

ATM & Card

ATM Balance Inquiries$1.50
per item
ATM Withdrawals & Transfers$1.50
per item
Replacement Card$10
per item
Replacement Card (Individual)$15
per item
Replacement Card (Joint)$20
per item
Replacement Card Expedited$25
per item
Rush Fee (Overnight)$30
per item
Foreign Transaction Fee1%of the transaction
per transaction

Wire Transfers

Wire Transfer: Outgoing$15
Incoming wire (audience not stated, treated as personal)$2
per item

Check Services

Teller Check$2
per item
Stop Payment$30
per item
Stop Payment on Balance Consolidation Request$25
per item
Check Cashing (if member is age 19 or older and account balance is less than $100.00)$3
per item
Check Copy$3
per item

Cash & Deposit

Deposit Item Return$30
per item
Deposit Item Return – 2 Party$15
per item

Account Services

Drill Charge$250
Not compared: Box drilling or key fee
Replacement Key$100
Not compared: Box drilling or key fee
Safe Deposit Box 10” x 10”$110
per year
Safe Deposit Box 10” x 10” (audience not stated, treated as personal)$110
per year
Safe Deposit Box 3” x 10”$50
per year
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)$50
per year
Safe Deposit Box 3” x 5”$35
per year
Safe Deposit Box 3” x 5” (audience not stated, treated as personal)$35
per year
Safe Deposit Box 5” x 10”$80
per year
Safe Deposit Box 5” x 10” (audience not stated, treated as personal)$80
per year
Levy, Lien, Garnishment Processing$50
per item
Verification of Deposit$30
per item

Other Fees

Loan Extension$30
per item
Loan Payment by Phone using ACH or Debit Card$4.95
per item
Returned Loan Payment$30
per item
Skip-A-Payment$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Premium Checking Maintenance Fee	$6	per month	None
Penalty for Early Closing for Holiday and Vacation Clubs only	$12.50	Not stated	None
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Withdrawal for Holiday and Vacation Clubs only	$10	per item	None
Excessive Withdrawal (of any kind, if over 6 per month)	$30	per item	None
Bad Address	$5	per month	None
Overdraft & NSF
Check Privilege (also referred to as Courtesy Pay)	$30	per item	None
Non-Sufficient Funds (NSF)	$30	per item	None
NSF/CheckPrivilege Fee	$30	Not stated	None
ATM & Card
ATM Balance Inquiries	$1.50	per item	None
ATM Withdrawals & Transfers	$1.50	per item	None
Replacement Card	$10	per item	None
Replacement Card (Individual)	$15	per item	None
Replacement Card (Joint)	$20	per item	None
Replacement Card Expedited	$25	per item	None
Rush Fee (Overnight)	$30	per item	None
Foreign Transaction Fee	1%of the transaction	per transaction	None
Wire Transfers
Wire Transfer: Outgoing	$15	Not stated	None
Incoming wire (audience not stated, treated as personal)	$2	per item	None
Check Services
Teller Check	$2	per item	None
Stop Payment	$30	per item	None
Stop Payment on Balance Consolidation Request	$25	per item	None
Check Cashing (if member is age 19 or older and account balance is less than $100.00)	$3	per item	None
Check Copy	$3	per item	None
Cash & Deposit
Deposit Item Return	$30	per item	None
Deposit Item Return – 2 Party	$15	per item	None
Account Services
Drill Charge	$250Not compared: Box drilling or key fee	Not stated	None
Replacement Key	$100Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10” x 10”	$110	per year	None
Safe Deposit Box 10” x 10” (audience not stated, treated as personal)	$110	per year	None
Safe Deposit Box 3” x 10”	$50	per year	None
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)	$50	per year	None
Safe Deposit Box 3” x 5”	$35	per year	None
Safe Deposit Box 3” x 5” (audience not stated, treated as personal)	$35	per year	None
Safe Deposit Box 5” x 10”	$80	per year	None
Safe Deposit Box 5” x 10” (audience not stated, treated as personal)	$80	per year	None
Levy, Lien, Garnishment Processing	$50	per item	None
Verification of Deposit	$30	per item	None
Other Fees
Loan Extension	$30	per item	None
Loan Payment by Phone using ACH or Debit Card	$4.95	per item	None
Returned Loan Payment	$30	per item	None
Skip-A-Payment	$30	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Premium Checking Maintenance Fee$6
per month
Penalty for Early Closing for Holiday and Vacation Clubs only$12.50
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawal for Business Share/Savings, Share/Savings and Share Club only$9
per item
Excessive Withdrawal for Holiday and Vacation Clubs only$10
per item
Excessive Withdrawal (of any kind, if over 6 per month)$30
per item
Bad Address$5
per month

Overdraft & NSF

Check Privilege (also referred to as Courtesy Pay)$30
per item
Non-Sufficient Funds (NSF)$30
per item
NSF/CheckPrivilege Fee$30

ATM & Card

ATM Balance Inquiries$1.50
per item
ATM Withdrawals & Transfers$1.50
per item
Replacement Card$10
per item
Replacement Card (Joint)$20
per item
Replacement Card Expedited$25
per item
Rush Fee (Overnight)$30
per item
Foreign Transaction Fee1%of the transaction
per transaction

Wire Transfers

Wire Transfer: Outgoing$15

Check Services

Teller Check$2
per item
Stop Payment$30
per item
Stop Payment on Balance Consolidation Request$25
per item
Check Cashing (if member is age 19 or older and account balance is less than $100.00)$3
per item
Check Copy$3
per item

Cash & Deposit

Deposit Item Return$30
per item
Deposit Item Return – 2 Party$15
per item

Account Services

Drill Charge$250
Not compared: Box drilling or key fee
Replacement Key$100
Not compared: Box drilling or key fee
Safe Deposit Box 10” x 10”$110
per year
Safe Deposit Box 3” x 10”$50
per year
Safe Deposit Box 3” x 5”$35
per year
Safe Deposit Box 5” x 10”$80
per year
Levy, Lien, Garnishment Processing$50
per item
Verification of Deposit$30
per item

Other Fees

Loan Extension$30
per item
Loan Payment by Phone using ACH or Debit Card$4.95
per item
Returned Loan Payment$30
per item
Skip-A-Payment$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Premium Checking Maintenance Fee	$6	per month	None
Penalty for Early Closing for Holiday and Vacation Clubs only	$12.50	Not stated	None
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Withdrawal for Business Share/Savings, Share/Savings and Share Club only	$9	per item	None
Excessive Withdrawal for Holiday and Vacation Clubs only	$10	per item	None
Excessive Withdrawal (of any kind, if over 6 per month)	$30	per item	None
Bad Address	$5	per month	None
Overdraft & NSF
Check Privilege (also referred to as Courtesy Pay)	$30	per item	None
Non-Sufficient Funds (NSF)	$30	per item	None
NSF/CheckPrivilege Fee	$30	Not stated	None
ATM & Card
ATM Balance Inquiries	$1.50	per item	None
ATM Withdrawals & Transfers	$1.50	per item	None
Replacement Card	$10	per item	None
Replacement Card (Joint)	$20	per item	None
Replacement Card Expedited	$25	per item	None
Rush Fee (Overnight)	$30	per item	None
Foreign Transaction Fee	1%of the transaction	per transaction	None
Wire Transfers
Wire Transfer: Outgoing	$15	Not stated	None
Check Services
Teller Check	$2	per item	None
Stop Payment	$30	per item	None
Stop Payment on Balance Consolidation Request	$25	per item	None
Check Cashing (if member is age 19 or older and account balance is less than $100.00)	$3	per item	None
Check Copy	$3	per item	None
Cash & Deposit
Deposit Item Return	$30	per item	None
Deposit Item Return – 2 Party	$15	per item	None
Account Services
Drill Charge	$250Not compared: Box drilling or key fee	Not stated	None
Replacement Key	$100Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10” x 10”	$110	per year	None
Safe Deposit Box 3” x 10”	$50	per year	None
Safe Deposit Box 3” x 5”	$35	per year	None
Safe Deposit Box 5” x 10”	$80	per year	None
Levy, Lien, Garnishment Processing	$50	per item	None
Verification of Deposit	$30	per item	None
Other Fees
Loan Extension	$30	per item	None
Loan Payment by Phone using ACH or Debit Card	$4.95	per item	None
Returned Loan Payment	$30	per item	None
Skip-A-Payment	$30	per item	None

Correct a fee source

Oct 10, 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.

Fee change alerts

Get an email when Argent Federal Credit Union's cashier's check changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Monthly Maintenance
Premium Checking
Argent Federal Credit Union: $6
Argent Federal Credit Union: $6
U.S. median: no median
Overdraft (OD)
Argent Federal Credit Union: $30
Argent Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Argent Federal Credit Union: $30
Argent Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

Each amount links to the fee schedule it was read from. Medians for 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).
Virginia: Banks and credit unions headquartered in 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.

Published fee schedule

Amounts from Argent Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Premium Checking Maintenance Fee$6
per month
Penalty for Early Closing for Holiday and Vacation Clubs only$12.50
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawal for Holiday and Vacation Clubs only$10
per item
Excessive Withdrawal (of any kind, if over 6 per month)$30
per item
Bad Address$5
per month

Overdraft & NSF

Check Privilege (also referred to as Courtesy Pay)$30
per item
Non-Sufficient Funds (NSF)$30
per item
NSF/CheckPrivilege Fee$30

ATM & Card

ATM Balance Inquiries$1.50
per item
ATM Withdrawals & Transfers$1.50
per item
Replacement Card$10
per item
Replacement Card (Individual)$15
per item
Replacement Card (Joint)$20
per item
Replacement Card Expedited$25
per item
Rush Fee (Overnight)$30
per item
Foreign Transaction Fee1%of the transaction
per transaction

Wire Transfers

Wire Transfer: Outgoing$15
Incoming wire (audience not stated, treated as personal)$2
per item

Check Services

Teller Check$2
per item
Stop Payment$30
per item
Stop Payment on Balance Consolidation Request$25
per item
Check Cashing (if member is age 19 or older and account balance is less than $100.00)$3
per item
Check Copy$3
per item

Cash & Deposit

Deposit Item Return$30
per item
Deposit Item Return – 2 Party$15
per item

Account Services

Drill Charge$250
Not compared: Box drilling or key fee
Replacement Key$100
Not compared: Box drilling or key fee
Safe Deposit Box 10” x 10”$110
per year
Safe Deposit Box 10” x 10” (audience not stated, treated as personal)$110
per year
Safe Deposit Box 3” x 10”$50
per year
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)$50
per year
Safe Deposit Box 3” x 5”$35
per year
Safe Deposit Box 3” x 5” (audience not stated, treated as personal)$35
per year
Safe Deposit Box 5” x 10”$80
per year
Safe Deposit Box 5” x 10” (audience not stated, treated as personal)$80
per year
Levy, Lien, Garnishment Processing$50
per item
Verification of Deposit$30
per item

Other Fees

Loan Extension$30
per item
Loan Payment by Phone using ACH or Debit Card$4.95
per item
Returned Loan Payment$30
per item
Skip-A-Payment$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Premium Checking Maintenance Fee	$6	per month	None
Penalty for Early Closing for Holiday and Vacation Clubs only	$12.50	Not stated	None
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Withdrawal for Holiday and Vacation Clubs only	$10	per item	None
Excessive Withdrawal (of any kind, if over 6 per month)	$30	per item	None
Bad Address	$5	per month	None
Overdraft & NSF
Check Privilege (also referred to as Courtesy Pay)	$30	per item	None
Non-Sufficient Funds (NSF)	$30	per item	None
NSF/CheckPrivilege Fee	$30	Not stated	None
ATM & Card
ATM Balance Inquiries	$1.50	per item	None
ATM Withdrawals & Transfers	$1.50	per item	None
Replacement Card	$10	per item	None
Replacement Card (Individual)	$15	per item	None
Replacement Card (Joint)	$20	per item	None
Replacement Card Expedited	$25	per item	None
Rush Fee (Overnight)	$30	per item	None
Foreign Transaction Fee	1%of the transaction	per transaction	None
Wire Transfers
Wire Transfer: Outgoing	$15	Not stated	None
Incoming wire (audience not stated, treated as personal)	$2	per item	None
Check Services
Teller Check	$2	per item	None
Stop Payment	$30	per item	None
Stop Payment on Balance Consolidation Request	$25	per item	None
Check Cashing (if member is age 19 or older and account balance is less than $100.00)	$3	per item	None
Check Copy	$3	per item	None
Cash & Deposit
Deposit Item Return	$30	per item	None
Deposit Item Return – 2 Party	$15	per item	None
Account Services
Drill Charge	$250Not compared: Box drilling or key fee	Not stated	None
Replacement Key	$100Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10” x 10”	$110	per year	None
Safe Deposit Box 10” x 10” (audience not stated, treated as personal)	$110	per year	None
Safe Deposit Box 3” x 10”	$50	per year	None
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)	$50	per year	None
Safe Deposit Box 3” x 5”	$35	per year	None
Safe Deposit Box 3” x 5” (audience not stated, treated as personal)	$35	per year	None
Safe Deposit Box 5” x 10”	$80	per year	None
Safe Deposit Box 5” x 10” (audience not stated, treated as personal)	$80	per year	None
Levy, Lien, Garnishment Processing	$50	per item	None
Verification of Deposit	$30	per item	None
Other Fees
Loan Extension	$30	per item	None
Loan Payment by Phone using ACH or Debit Card	$4.95	per item	None
Returned Loan Payment	$30	per item	None
Skip-A-Payment	$30	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Premium Checking Maintenance Fee$6
per month
Penalty for Early Closing for Holiday and Vacation Clubs only$12.50
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawal for Business Share/Savings, Share/Savings and Share Club only$9
per item
Excessive Withdrawal for Holiday and Vacation Clubs only$10
per item
Excessive Withdrawal (of any kind, if over 6 per month)$30
per item
Bad Address$5
per month

Overdraft & NSF

Check Privilege (also referred to as Courtesy Pay)$30
per item
Non-Sufficient Funds (NSF)$30
per item
NSF/CheckPrivilege Fee$30

ATM & Card

ATM Balance Inquiries$1.50
per item
ATM Withdrawals & Transfers$1.50
per item
Replacement Card$10
per item
Replacement Card (Joint)$20
per item
Replacement Card Expedited$25
per item
Rush Fee (Overnight)$30
per item
Foreign Transaction Fee1%of the transaction
per transaction

Wire Transfers

Wire Transfer: Outgoing$15

Check Services

Teller Check$2
per item
Stop Payment$30
per item
Stop Payment on Balance Consolidation Request$25
per item
Check Cashing (if member is age 19 or older and account balance is less than $100.00)$3
per item
Check Copy$3
per item

Cash & Deposit

Deposit Item Return$30
per item
Deposit Item Return – 2 Party$15
per item

Account Services

Drill Charge$250
Not compared: Box drilling or key fee
Replacement Key$100
Not compared: Box drilling or key fee
Safe Deposit Box 10” x 10”$110
per year
Safe Deposit Box 3” x 10”$50
per year
Safe Deposit Box 3” x 5”$35
per year
Safe Deposit Box 5” x 10”$80
per year
Levy, Lien, Garnishment Processing$50
per item
Verification of Deposit$30
per item

Other Fees

Loan Extension$30
per item
Loan Payment by Phone using ACH or Debit Card$4.95
per item
Returned Loan Payment$30
per item
Skip-A-Payment$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Premium Checking Maintenance Fee	$6	per month	None
Penalty for Early Closing for Holiday and Vacation Clubs only	$12.50	Not stated	None
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Withdrawal for Business Share/Savings, Share/Savings and Share Club only	$9	per item	None
Excessive Withdrawal for Holiday and Vacation Clubs only	$10	per item	None
Excessive Withdrawal (of any kind, if over 6 per month)	$30	per item	None
Bad Address	$5	per month	None
Overdraft & NSF
Check Privilege (also referred to as Courtesy Pay)	$30	per item	None
Non-Sufficient Funds (NSF)	$30	per item	None
NSF/CheckPrivilege Fee	$30	Not stated	None
ATM & Card
ATM Balance Inquiries	$1.50	per item	None
ATM Withdrawals & Transfers	$1.50	per item	None
Replacement Card	$10	per item	None
Replacement Card (Joint)	$20	per item	None
Replacement Card Expedited	$25	per item	None
Rush Fee (Overnight)	$30	per item	None
Foreign Transaction Fee	1%of the transaction	per transaction	None
Wire Transfers
Wire Transfer: Outgoing	$15	Not stated	None
Check Services
Teller Check	$2	per item	None
Stop Payment	$30	per item	None
Stop Payment on Balance Consolidation Request	$25	per item	None
Check Cashing (if member is age 19 or older and account balance is less than $100.00)	$3	per item	None
Check Copy	$3	per item	None
Cash & Deposit
Deposit Item Return	$30	per item	None
Deposit Item Return – 2 Party	$15	per item	None
Account Services
Drill Charge	$250Not compared: Box drilling or key fee	Not stated	None
Replacement Key	$100Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10” x 10”	$110	per year	None
Safe Deposit Box 3” x 10”	$50	per year	None
Safe Deposit Box 3” x 5”	$35	per year	None
Safe Deposit Box 5” x 10”	$80	per year	None
Levy, Lien, Garnishment Processing	$50	per item	None
Verification of Deposit	$30	per item	None
Other Fees
Loan Extension	$30	per item	None
Loan Payment by Phone using ACH or Debit Card	$4.95	per item	None
Returned Loan Payment	$30	per item	None
Skip-A-Payment	$30	per item	None

Correct a fee source

Oct 10, 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.