Trax Federal Credit Union

Headquarters: Tampa, Florida
Charter: Credit Union
Assets: $485.1M
Fed district: Atlanta

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

Source: its fee schedule, read Nov 2, 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
Basic Checking Account Fees $3.95 · Choice Plus+ Checking Account Fees $4.95
Compared at $4.45, the middle of its prices
Trax Federal Credit Union: $3.95 to $4.95
Trax Federal Credit Union: $3.95 to $4.95
U.S. median: no median
Overdraft (OD)
Trax Federal Credit Union: $29
Trax Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
Trax Federal Credit Union: $29
Trax Federal Credit Union: $29
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

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.

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).
Florida: Banks and credit unions headquartered in Florida 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 Trax Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Monthly Maintenance Fee$3.95
per month
Choice Plus+ Checking Monthly Maintenance Fee$4.95
per month
Monthly Maintenance Fee$4.95
per month
Monthly Maintenance Fee$3.95
per month
Savings/Checking closed within 6 months$25
Dormant Account - 12-months of no activity and member age older than 22 years$5
per month
Account Reconciliation$10
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$10
Not compared: Charged per hour; comparison unavailable
per hour
Bad Address$5
per month

Overdraft & NSF

Courtesy Pay-Repayment$29
per item
NSF/ACH/Negative Balance$29
per item
Share NSF/ACH/Negative balance$29
per item
Overdraft TransferNo charge

ATM & Card

Foreign ATM transactions at Trax Machines$3.50
per item
Non-Proprietary ATM Transaction fee$1.50
per item

Wire Transfers

Domestic Wire Transfer outgoing$25
per item
International Wire Transfer outgoing$50
per item

Check Services

Official Check$5
per item
Money Order$2
per item
Stop Payment$20
per item
Stop Payment ACH$20
Check Cashing for Company Groups - Check $300.01 and over$5
Check Cashing for Company Groups - Check less than $300$3
Non-Member On-Us Check Cashing$5
per item
Collection item$10
per item

Cash & Deposit

Returned Item$20
per item

Account Services

Safe Deposit Box 10" x 10"$100
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"$75
per year
Special Handling (levies, garnishments, child support)$25
per item

Lending Fees

Loan payment late fee$25
per item

Gift & Prepaid Cards

Visa® Gift Card$4.95
per item

Other Fees

Statement copy$1
Not compared: Charged per page; comparison unavailable
per page
Loan Payment via ACH Express (within Online Banking)No charge
Loan Payment via Telephone$7.50
Loan skip payment, per loan per occurrence$15
per item
Returned loan payment from other source$20

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

Correct a fee source

Nov 2, 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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