Texans Federal Credit Union

Headquarters: Richardson, Texas
Charter: Credit Union
Assets: $2.6B
Fed district: Dallas

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

Source: its fee schedule, read Nov 4, 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 $7.50, the middle of its prices
Texans Federal Credit Union: $0 to $15
Texans Federal Credit Union: $0 to $15
U.S. median: no median
Overdraft (OD)
Texans Federal Credit Union: $35
Texans Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Texans Federal Credit Union: $3
Texans Federal Credit Union: $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

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

Account Maintenance

Monthly service chargeNo charge
per month
Monthly Service Fee$15
per month
Account Research and Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Holiday Club Savings Excessive Withdrawal$10
Paper Statement Fee$2
Returned Mail Fee$5

Overdraft & NSF

Insufficient Funds Fee (UCF) (paid)$35
per item
Overdraft (OD) Protection Transfer (Tran) Fee or Uncollected Funds (UCF) Protection Transfer$5
per item

ATM & Card

Texans ATM – an ATM that prominently displays Transaction in US, ATM Withdrawal Service the Texans Credit Union$3
per transaction
Card Replacement Fee$5
per item

Wire Transfers

Wire Out Charge: Wire Transfers$25

Check Services

Cashier’s ChecksNo charge
Money OrdersNo charge
Stop Payment FeeNo charge
Temporary Check Fee$3
Check Cashing for Non-Members$5
per item
Check Copy Fee$3
per item

Digital & Electronic

Online Bill Pay ServiceNo charge

Account Services

Key Replacement Fee$25
Not compared: Box drilling or key fee
Safe Deposit Box 10” x 10” x 22”$120
Safe Deposit Box 3” x 10” x 22”$60
Safe Deposit Box 3” x 5” x 22”$40
Safe Deposit: 5” x 10” x 22”$90
Verification of Deposit Letter$10

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	No charge	per month	None
Monthly Service Fee	$15	per month	None
Account Research and Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Holiday Club Savings Excessive Withdrawal	$10	Not stated	None
Paper Statement Fee	$2	Not stated	None
Returned Mail Fee	$5	Not stated	None
Overdraft & NSF
Insufficient Funds Fee (UCF) (paid)	$35	per item	None
Overdraft (OD) Protection Transfer (Tran) Fee or Uncollected Funds (UCF) Protection Transfer	$5	per item	None
ATM & Card
Texans ATM – an ATM that prominently displays Transaction in US, ATM Withdrawal Service the Texans Credit Union	$3	per transaction	None
Card Replacement Fee	$5	per item	None
Wire Transfers
Wire Out Charge: Wire Transfers	$25	Not stated	None
Check Services
Cashier’s Checks	No charge	Not stated	None
Money Orders	No charge	Not stated	None
Stop Payment Fee	No charge	Not stated	None
Temporary Check Fee	$3	Not stated	None
Check Cashing for Non-Members	$5	per item	None
Check Copy Fee	$3	per item	None
Digital & Electronic
Online Bill Pay Service	No charge	Not stated	None
Account Services
Key Replacement Fee	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10” x 10” x 22”	$120	Not stated	None
Safe Deposit Box 3” x 10” x 22”	$60	Not stated	None
Safe Deposit Box 3” x 5” x 22”	$40	Not stated	None
Safe Deposit: 5” x 10” x 22”	$90	Not stated	None
Verification of Deposit Letter	$10	Not stated	None

Correct a fee source

Nov 4, 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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