Wheelhouse Federal Credit Union

Headquarters: San Diego, California
Charter: Credit Union
Assets: $459.7M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 31, 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, the middle of its prices
Wheelhouse Federal Credit Union: $5 to $9
Wheelhouse Federal Credit Union: $5 to $9
U.S. median: no median
NSF / Returned Item
Wheelhouse Federal Credit Union: $10
Wheelhouse Federal Credit Union: $10
U.S. median: no median
Non-Network ATM
Wheelhouse Federal Credit Union: $2
Wheelhouse Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

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

Account Maintenance

Basic Checking monthly fee$5
per month
Monthly fee$9
per month
Escheat Notice$2
per item
Inactive Savings Account (12 months inactivity)$15
Not compared: Quarterly charge, not monthly
per quarter
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$3
per month
Reg D Excessive Withdrawal$10
per item
Returned Mail Handling$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

BillPay Insufficient Funds$10
per item
Overdraft Protection TransferNo charge

ATM & Card

ATM Withdrawal (Non CO-OP)$2
per item
ATM/Debit Card Replacement$5
per item
Debit Card Foreign Transaction Fee1%of the transaction
Debit Card Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Outgoing Domestic Wire$25
per item
Outgoing Foreign Wire$50
per item

Check Services

Cashier’s Check$10
per item
Cashier’s Check (1 per day)No charge
Not compared: Daily charge, not per item
per day
Cashier’s Checks (2 or more per day)$5
per item
BillPay Stop Payment$25
per item
Cashier’s Check Stop Payment$25
per item
Stop Payment (ACH/Check/EFT)$25
per item
Temporary Checks (per sheet of 4 checks)$5
per item
Check Cashing$5
per item
Check Collection Item$20
per item
Check Copy$3
per item

Digital & Electronic

BillPay EnrollmentNo charge
BillPay Monthly Service ChargeNo charge
per month

Cash & Deposit

Returned Deposit ItemNo charge
per item

Account Services

Notary Service (per signature)$15
per item
Legal Process$75
per item
Verification of Deposit$10
per item

Retirement & IRA

IRA Transfer$30
per item

Gift & Prepaid Cards

VISA® Gift Card$5
per item

Other Fees

Statement/Account History Printout/Document Copy$5
per item
Returned Loan Payment (ACH/Check)$15
per item

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking monthly fee	$5	per month	None
Monthly fee	$9	per month	None
Escheat Notice	$2	per item	None
Inactive Savings Account (12 months inactivity)	$15Not compared: Quarterly charge, not monthly	per quarter	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$3	per month	None
Reg D Excessive Withdrawal	$10	per item	None
Returned Mail Handling	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
BillPay Insufficient Funds	$10	per item	None
Overdraft Protection Transfer	No charge	Not stated	None
ATM & Card
ATM Withdrawal (Non CO-OP)	$2	per item	None
ATM/Debit Card Replacement	$5	per item	None
Debit Card Foreign Transaction Fee	1%of the transaction	Not stated	None
Debit Card Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Outgoing Domestic Wire	$25	per item	None
Outgoing Foreign Wire	$50	per item	None
Check Services
Cashier’s Check	$10	per item	None
Cashier’s Check (1 per day)	No chargeNot compared: Daily charge, not per item	per day	None
Cashier’s Checks (2 or more per day)	$5	per item	None
BillPay Stop Payment	$25	per item	None
Cashier’s Check Stop Payment	$25	per item	None
Stop Payment (ACH/Check/EFT)	$25	per item	None
Temporary Checks (per sheet of 4 checks)	$5	per item	None
Check Cashing	$5	per item	None
Check Collection Item	$20	per item	None
Check Copy	$3	per item	None
Digital & Electronic
BillPay Enrollment	No charge	Not stated	None
BillPay Monthly Service Charge	No charge	per month	None
Cash & Deposit
Returned Deposit Item	No charge	per item	None
Account Services
Notary Service (per signature)	$15	per item	None
Legal Process	$75	per item	None
Verification of Deposit	$10	per item	None
Retirement & IRA
IRA Transfer	$30	per item	None
Gift & Prepaid Cards
VISA® Gift Card	$5	per item	None
Other Fees
Statement/Account History Printout/Document Copy	$5	per item	None
Returned Loan Payment (ACH/Check)	$15	per item	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

Oct 31, 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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