22 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 17, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
Compared at $29, its standard fee, the highest of its prices
Non-Network ATM
Leaves out 1 fee charged on a different basis filed under this fee.
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Amounts from Bayport Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per month
per month
per hour
per item
per item
per month
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service fee (less than 1 bill paid per month) | $2.95 | per month | None |
| Low-balance fee (min. average daily balance <$2,500.00) | $10 | per month | None |
| High Yield & Cash Back Checking accounts: inactive balances less than $100.00 | $3 | per month | None |
| Savings account: inactive balances less than $100.00 | $7 | per month | None |
| Savings account: inactive balances less than and no activity in a 12-month period | $7 | per month | None |
| Account research/reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive transfer/check in accordance with Regulation D | $10 | per item | None |
| Money Market – more than three checks cleared per month – excessive transfer / check in accordance with Regulation D | $5 | per item | None |
| Bad Address | $5 | per month | None |
| Bad Address | No charge | Not stated | None |
Overdraft & NSF | |||
| Overdraft Privilege | $29 | per item | None |
| Overdraft Privilege (Paid NSF) – checks – ACH – recurring debit transaction – bill payment | $5 | per item | None |
ATM & Card | |||
| ATM balance inquiry - first two monthly - each additional | $0.50Not compared: Monthly charge, not per item | per month | None |
| Non-proprietary ATM network fee | $1 | per item | None |
| Replacement ATM/Debit Mastercard® card | $5 | Not stated | None |
| Rush Replacement ATM/Debit Mastercard® card | $29 | Not stated | None |
Wire Transfers | |||
| Wire transfer: outgoing domestic | $20 | per item | None |
| Wire transfer: outgoing domestic | $25 | per item | None |
| Wire transfer: incoming domestic | No charge | Not stated | None |
Check Services | |||
| Certified checks | $5 | per item | None |
| Teller check | $2 | per item | None |
| Teller check | $5 | per item | None |
| Stop payment | $29 | per item | None |
| Counter/starter check | $5 | per item | None |
| Check cashing (non-BayPort account) | $3 | Not stated | None |
Digital & Electronic | |||
| 1 bill or more paid per month | No charge | per month | None |
| Bill payment | $29Not compared: Per-item charge, not monthly | per item | None |
| Bill payment concierge fee | $20 | Not stated | None |
| Bill payment concierge for members in Select & Premier Relationship | No charge | Not stated | None |
Account Services | |||
| Notary fee (non-members) | $2 | per item | None |
| Safe Deposit Box 10" x 10" | $25 | per year | None |
| Garnishment / Levy | $20 | per item | None |
Retirement & IRA | |||
| IRA external transfer | $20 | per item | None |
Gift & Prepaid Cards | |||
| Mastercard® Gift Card | $3.95 | per item | None |
Other Fees | |||
| Duplicate statement, copy of electronic document, or balance verification letter | $1 | per item | None |
Oct 17, 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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