Adventure Federal Credit Union

Headquarters: Grand Rapids, Michigan
Charter: Credit Union
Assets: $645.9M
Fed district: Chicago

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

Source: its fee schedule, read Nov 1, 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 $3.38, the middle of its prices
Adventure Federal Credit Union: $1.75 to $5
Adventure Federal Credit Union: $1.75 to $5
U.S. median: no median
Overdraft (OD)
Adventure Federal Credit Union: $29
Adventure Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
Adventure Federal Credit Union: $15
Adventure Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

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

Account Maintenance

EmpowerMe Checking Fee (audience not stated, treated as personal)$5
per month
Security Fee - ID Safe Choice (Monthly Fee) (audience not stated, treated as personal)$1.75
per month
Choice Checking Minimum Balance Fee (audience not stated, treated as personal)$5
per month
Dormant Account Fee (monthly fee applies after one year of inactivity and no other account relationship) (audience not stated, treated as personal)$10
per month
Escheat Processing (audience not stated, treated as personal)$50
Research & Reconciliation Fee (Per hour, 1/4 hour increments; 1 hr. minimum) (audience not stated, treated as personal)$50
Not compared: Charged per hour; comparison unavailable
per hour · | Research & Reconciliation Fee (Per hour, 1/4 hour increments; 1 hr. minimum) | $50 |
Paper Statement by Mail (audience not stated, treated as personal)$3
per month
Returned Mail Fee (per item) (audience not stated, treated as personal)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Non-Sufficient Funds / Courtesy Pay Fee (ACH, Check, ATM, Debit) (audience not stated, treated as personal)$29
Electronically Returned Items (audience not stated, treated as personal)$15
Overdraft Transfer from Share or Loan (audience not stated, treated as personal)$4

ATM & Card

ATM Balance Inquiry- Non ACU (audience not stated, treated as personal)$1.25
per item
ATM Withdrawals at Non-Adventure Credit Union ATMs (audience not stated, treated as personal)$2
per item
Debit / Credit Card Re-issue (audience not stated, treated as personal)$10
per item

Check Services

Cashier's Checks (audience not stated, treated as personal)$7
Money Orders (audience not stated, treated as personal)$5
Stop Payment (audience not stated, treated as personal)$35
Starter Checks (audience not stated, treated as personal)$5
Not compared: Charged per page; comparison unavailable
per page · | Starter Checks | $5 per page |
Non-Member Check Cashing (audience not stated, treated as personal)$10
Foreign Check Processing (additional charges may apply) (audience not stated, treated as personal)$35
Check Copy (Also applies to deposited items, Cashier's Checks & Money Orders) (audience not stated, treated as personal)$5

Account Services

Levy/Subpoena/Garnishment (per item) (audience not stated, treated as personal)$75
per item

Retirement & IRA

IRA/HSA Transfer to Another Financial Institution (audience not stated, treated as personal)$35

Other Fees

Statement Copy (audience not stated, treated as personal)$5

Fee	Amount	Basis	Note
Account Maintenance
EmpowerMe Checking Fee (audience not stated, treated as personal)	$5	per month	None
Security Fee - ID Safe Choice (Monthly Fee) (audience not stated, treated as personal)	$1.75	per month	None
Choice Checking Minimum Balance Fee (audience not stated, treated as personal)	$5	per month	None
Dormant Account Fee (monthly fee applies after one year of inactivity and no other account relationship) (audience not stated, treated as personal)	$10	per month	None
Escheat Processing (audience not stated, treated as personal)	$50	Not stated	None
Research & Reconciliation Fee (Per hour, 1/4 hour increments; 1 hr. minimum) (audience not stated, treated as personal)	$50Not compared: Charged per hour; comparison unavailable	per hour	\| Research & Reconciliation Fee (Per hour, 1/4 hour increments; 1 hr. minimum) \| $50 \|
Paper Statement by Mail (audience not stated, treated as personal)	$3	per month	None
Returned Mail Fee (per item) (audience not stated, treated as personal)	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Non-Sufficient Funds / Courtesy Pay Fee (ACH, Check, ATM, Debit) (audience not stated, treated as personal)	$29	Not stated	None
Electronically Returned Items (audience not stated, treated as personal)	$15	Not stated	None
Overdraft Transfer from Share or Loan (audience not stated, treated as personal)	$4	Not stated	None
ATM & Card
ATM Balance Inquiry- Non ACU (audience not stated, treated as personal)	$1.25	per item	None
ATM Withdrawals at Non-Adventure Credit Union ATMs (audience not stated, treated as personal)	$2	per item	None
Debit / Credit Card Re-issue (audience not stated, treated as personal)	$10	per item	None
Check Services
Cashier's Checks (audience not stated, treated as personal)	$7	Not stated	None
Money Orders (audience not stated, treated as personal)	$5	Not stated	None
Stop Payment (audience not stated, treated as personal)	$35	Not stated	None
Starter Checks (audience not stated, treated as personal)	$5Not compared: Charged per page; comparison unavailable	per page	\| Starter Checks \| $5 per page \|
Non-Member Check Cashing (audience not stated, treated as personal)	$10	Not stated	None
Foreign Check Processing (additional charges may apply) (audience not stated, treated as personal)	$35	Not stated	None
Check Copy (Also applies to deposited items, Cashier's Checks & Money Orders) (audience not stated, treated as personal)	$5	Not stated	None
Account Services
Levy/Subpoena/Garnishment (per item) (audience not stated, treated as personal)	$75	per item	None
Retirement & IRA
IRA/HSA Transfer to Another Financial Institution (audience not stated, treated as personal)	$35	Not stated	None
Other Fees
Statement Copy (audience not stated, treated as personal)	$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

Nov 1, 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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