Allegacy Federal Credit Union

Headquarters: Winston Salem, North Carolina
Charter: Credit Union
Assets: $2.6B
Fed district: Richmond

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

Source: its fee schedule, read Oct 7, 2026.

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Fees against the market

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

Monthly Maintenance
Allegacy Federal Credit Union: $3
Allegacy Federal Credit Union: $3
U.S. median: no median
Non-Network ATM
Compared at $0.75, the middle of its prices
Allegacy Federal Credit Union: $0.50 to $1
Allegacy Federal Credit Union: $0.50 to $1
U.S. median: no median
Wire Transfer (Domestic Out)
Allegacy Federal Credit Union: $20 to $25
Allegacy Federal Credit Union: $20 to $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 7, 2026View sources

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

Account Maintenance

Monthly service fee$3
per month
Inactive/Dormant Fee$5
Returned Mail$2

ATM & Card

ATM Inquiry: Non-Allegacy owned ATMs$0.50
ATM Withdrawal / Transfer: Non-Allegacy owned ATMs$1
Plastic Card Replacement$10
Plastic Card Replacement - Rush Request$35
Foreign Transaction Fee1%of the transaction

Wire Transfers

Wire transfers: Outgoing Domestic In Person$25
Wire transfers: Outgoing Domestic Online$20
Incoming Wire Fee$10
Wire transfers: Outgoing International Online$35

Check Services

Teller Check$5
Item Sent for Collection: N/A$5

Digital & Electronic

Insufficent Funds Item (Paid): Member's check or ACH item is returned unpaid when account balance does not have suffici$29

Account Services

Levies and Garnishment: N/A$65
Verification of Deposit: N/A$10

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee	$3	per month	None
Inactive/Dormant Fee	$5	Not stated	None
Returned Mail	$2	Not stated	None
ATM & Card
ATM Inquiry: Non-Allegacy owned ATMs	$0.50	Not stated	None
ATM Withdrawal / Transfer: Non-Allegacy owned ATMs	$1	Not stated	None
Plastic Card Replacement	$10	Not stated	None
Plastic Card Replacement - Rush Request	$35	Not stated	None
Foreign Transaction Fee	1%of the transaction	Not stated	None
Wire Transfers
Wire transfers: Outgoing Domestic In Person	$25	Not stated	None
Wire transfers: Outgoing Domestic Online	$20	Not stated	None
Incoming Wire Fee	$10	Not stated	None
Wire transfers: Outgoing International Online	$35	Not stated	None
Check Services
Teller Check	$5	Not stated	None
Item Sent for Collection: N/A	$5	Not stated	None
Digital & Electronic
Insufficent Funds Item (Paid): Member's check or ACH item is returned unpaid when account balance does not have suffici	$29	Not stated	None
Account Services
Levies and Garnishment: N/A	$65	Not stated	None
Verification of Deposit: N/A	$10	Not stated	None

Correct a fee source

Oct 7, 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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