21 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 5, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Basic Checking Account Fees $3.95 · Choice Plus+ Checking Account Fees $4.95
Compared at $4.45, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta 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.
Trax Federal Credit Union · $485M 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Trax Federal Credit Union(this institution) | Tampa, FL | $485M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Advantage Federal Credit Union | Rochester, NY | $498M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Alabama State Employees Federal Credit Union | Montgomery, AL | $471M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Century Federal Credit Union | Independence, OH | $470M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cme Federal Credit Union | Columbus, OH | $481M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Commonwealth One Federal Credit Union | Alexandria, VA | $502M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cornerstone Community Financial Federal Credit Union | Auburn Hills, MI | $470M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Dirigo Federal Credit Union | Lewiston, ME | $498M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Earthmover Federal Credit Union | Aurora, IL | $472M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fedchoice Federal Credit Union | Lanham, MD | $469M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Harvest Federal Credit Union | Deptford, NJ | $484M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Garden Savings Federal Credit Union | Parsippany, NJ | $496M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Healthcare Associates Federal Credit Union | Lisle, IL | $482M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jolt Federal Credit Union | Saginaw, MI | $484M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Land Of Lincoln Federal Credit Union | Decatur, IL | $499M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Loc Federal Credit Union | Farmington, MI | $485M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Maui County Federal Credit Union | Wailuku, HI | $488M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Federal Credit Union | Winston Salem, NC | $477M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| On Tap Federal Credit Union | Golden, CO | $474M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Suma Federal Credit Union | Yonkers, NY | $468M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tampa Bay Federal Credit Union | Tampa, FL | $494M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tidemark Federal Credit Union | Seaford, DE | $469M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Topside Federal Credit Union | Dahlgren, VA | $492M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Trona Valley Community Federal Credit Union | Green River, WY | $470M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Widget Federal Credit Union | Erie, PA | $480M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Winsouth Federal Credit Union | Gadsden, AL | $479M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $4.45, the middle of its four prices, against a peer median of $7.50 among 12 publishing peers.
Its four checking prices are $3.95, $3.95, $4.95 and $4.95.
$4.45 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 Oct 31, 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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Amounts from Trax Federal Credit Union’s own schedules, with a source for each figure.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Basic Checking Monthly Maintenance Fee | $3.95 | per month | None |
| Choice Plus+ Checking Monthly Maintenance Fee | $4.95 | per month | None |
| Monthly Maintenance Fee | $4.95 | per month | None |
| Monthly Maintenance Fee | $3.95 | per month | None |
| Savings/Checking closed within 6 months | $25 | Not stated | None |
| Dormant Account - 12-months of no activity and member age older than 22 years | $5 | per month | None |
| Account Reconciliation | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address | $5 | per month | None |
Overdraft & NSF | |||
| Courtesy Pay-Repayment | $29 | per item | None |
| NSF/ACH/Negative Balance | $29 | per item | None |
| Share NSF/ACH/Negative balance | $29 | per item | None |
| Overdraft Transfer | No charge | Not stated | None |
ATM & Card | |||
| Foreign ATM transactions at Trax Machines | $3.50 | per item | None |
| Non-Proprietary ATM Transaction fee | $1.50 | per item | None |
Wire Transfers | |||
| Domestic Wire Transfer outgoing | $25 | per item | None |
| International Wire Transfer outgoing | $50 | per item | None |
Check Services | |||
| Official Check | $5 | per item | None |
| Money Order | $2 | per item | None |
| Stop Payment | $20 | per item | None |
| Stop Payment ACH | $20 | Not stated | None |
| Check Cashing for Company Groups - Check $300.01 and over | $5 | Not stated | None |
| Check Cashing for Company Groups - Check less than $300 | $3 | Not stated | None |
| Non-Member On-Us Check Cashing | $5 | per item | None |
| Collection item | $10 | per item | None |
Cash & Deposit | |||
| Returned Item | $20 | per item | None |
Account Services | |||
| Safe Deposit Box 10" x 10" | $100 | 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" | $75 | per year | None |
| Special Handling (levies, garnishments, child support) | $25 | per item | None |
Lending Fees | |||
| Loan payment late fee | $25 | per item | None |
Gift & Prepaid Cards | |||
| Visa® Gift Card | $4.95 | per item | None |
Other Fees | |||
| Statement copy | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Loan Payment via ACH Express (within Online Banking) | No charge | Not stated | None |
| Loan Payment via Telephone | $7.50 | Not stated | None |
| Loan skip payment, per loan per occurrence | $15 | per item | None |
| Returned loan payment from other source | $20 | Not stated | None |
Nov 5, 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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