Platinum Federal Credit Union

Headquarters: Duluth, Georgia
Charter: Credit Union
Assets: $412.6M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 19, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $2.48, the middle of its prices
Platinum Federal Credit Union: $0 to $4.95
Platinum Federal Credit Union: $0 to $4.95
U.S. median: no median
Overdraft (OD)
Platinum Federal Credit Union: $28
Platinum Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Platinum Federal Credit Union: $28
Platinum Federal Credit Union: $28
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 2026View sources

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

Account Maintenance

Monthly FeeNo charge
per month
Platinum Rewards Checking Account Monthly Fee$4.95
per month
Dormant Account Fee (after 12 months of no activity)$5
per month
Account Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Withdrawals in excess of six per month$1
per item
Returned Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Discretionary Overdraft Privilege$28
per item
Nonsufficient funds fee (audience not stated, treated as personal)$28
per item

ATM & Card

Replacement card fee (audience not stated, treated as personal)$5
per item

Wire Transfers

Outgoing Domestic Wire Transfer$15
per item
Incoming Domestic Wire Transfer$5
per item
Outgoing International Wire Transfer$34.99
per item
Incoming International Wire Transfer$15
per item

Check Services

Cashier's Check Fee$5
per item
Certified Mail (Documents, Check, Cashier's Check, etc.)$5
per item
Stop Payment Fee$28
per item
Counter Checks$1
per item
Deposit/Paid Check Copy$2
per item
E-Statement with Check ImagesNo charge

Digital & Electronic

Check/ACH Return Fee (NSF Fee)$28
per item
Bill PayNo charge

Cash & Deposit

Deposit Item Return$5
per item
Loan Deposit Return Fee$28
per item

Account Services

Levy/Garnishment$25

Other Fees

Interim Statement Fee$5
Statement Reprint Fee$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	No charge	per month	None
Platinum Rewards Checking Account Monthly Fee	$4.95	per month	None
Dormant Account Fee (after 12 months of no activity)	$5	per month	None
Account Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Withdrawals in excess of six per month	$1	per item	None
Returned Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Discretionary Overdraft Privilege	$28	per item	None
Nonsufficient funds fee (audience not stated, treated as personal)	$28	per item	None
ATM & Card
Replacement card fee (audience not stated, treated as personal)	$5	per item	None
Wire Transfers
Outgoing Domestic Wire Transfer	$15	per item	None
Incoming Domestic Wire Transfer	$5	per item	None
Outgoing International Wire Transfer	$34.99	per item	None
Incoming International Wire Transfer	$15	per item	None
Check Services
Cashier's Check Fee	$5	per item	None
Certified Mail (Documents, Check, Cashier's Check, etc.)	$5	per item	None
Stop Payment Fee	$28	per item	None
Counter Checks	$1	per item	None
Deposit/Paid Check Copy	$2	per item	None
E-Statement with Check Images	No charge	Not stated	None
Digital & Electronic
Check/ACH Return Fee (NSF Fee)	$28	per item	None
Bill Pay	No charge	Not stated	None
Cash & Deposit
Deposit Item Return	$5	per item	None
Loan Deposit Return Fee	$28	per item	None
Account Services
Levy/Garnishment	$25	Not stated	None
Other Fees
Interim Statement Fee	$5	Not stated	None
Statement Reprint Fee	$5	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 19, 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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