Wcu Credit Union

Headquarters: Decatur, Alabama
Charter: Credit Union
Assets: $36.0M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 26, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Wcu Credit Union: $35
Wcu Credit Union: $35
U.S. median: no median
NSF / Returned Item
Wcu Credit Union: $35
Wcu Credit Union: $35
U.S. median: no median
Stop Payment
Wcu Credit Union: $30
Wcu Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Alabama, 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).
Alabama: Banks and credit unions headquartered in Alabama 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 Wcu Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closing (Closed Share/Savings within first 6 months of membership)$10
Account: Escheatment (Abandoned Property Sent to State)$25
B. Fees. The dormant account fee$10
Not compared: Annual charge, not monthly
per year
Account Research/Reconciliation by WCU Staff$15
Returned Statement (Invalid/Undeliverable Address)$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

OverDraft Fee (PAID ITEM)$35
per item
NSF Charge/Return Fee (PER PRESENTMENT) Due to Non-Sufficient Funds$35
per item
OverDraft Fee (PAID ITEM) Standard/Extended OD Privilege Program$35
per item

ATM & Card

Debit Card Replacement$10
Not compared: Annual charge, not per item
per year
Replacement card fee$10
per item

Check Services

Stop Payment (Draft or ACH Item ONLY, NOT Debit Card Transactions)$30
per item
Counter Checks (Without a pending WCU Check Order)$1
per item
Counter/Temporary Check$1
per item
Foreign Check DEPOSIT Fee$25
per item
Check Copy (Including Receipts & ACH Transactions)No charge

Digital & Electronic

Person to Person(P2P) (ACH Origination)$1
per item

Cash & Deposit

Credit/Debit Card Payment by Phone Fee (Cash Advance on Visa/Mastercard)$10
Deposited Item Return$15
per item
Returned Deposited Item (Check Deposited & Returned Unpaid)$15
per item

Account Services

10 x 10 Safe Deposit Box Rent$75
per year
3 x 10 Safe Deposit Box Rent$35
per year
3 x 5 Safe Deposit Box Rent$20
per year
5 x 10 Safe Deposit Box Rent$50
per year
Safe Deposit Box Drilling Fee (for Replacement of LOST KEY)$150
Not compared: Box drilling or key fee
Legal Process Service (Garnishment/Levy)$25
per item
Account Verification$10
per item
Verification Of Deposit Fee (Account Verification Letters/Forms Completion)$10
per item

Lending Fees

Late Fee of Delinquent Loans (Not to Exceed)5%($10 minimum, $100 maximum)
per item

Other Fees

Express/Overnight Mail Delivery$20
Statement CopyNo charge
Member Loan “Re-Application” Fee$25
NON-MEMBER Loan Application Fee$10
per item
Other Lending Fee$10

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closing (Closed Share/Savings within first 6 months of membership)	$10	Not stated	None
Account: Escheatment (Abandoned Property Sent to State)	$25	Not stated	None
B. Fees. The dormant account fee	$10Not compared: Annual charge, not monthly	per year	None
Account Research/Reconciliation by WCU Staff	$15	Not stated	None
Returned Statement (Invalid/Undeliverable Address)	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
OverDraft Fee (PAID ITEM)	$35	per item	None
NSF Charge/Return Fee (PER PRESENTMENT) Due to Non-Sufficient Funds	$35	per item	None
OverDraft Fee (PAID ITEM) Standard/Extended OD Privilege Program	$35	per item	None
ATM & Card
Debit Card Replacement	$10Not compared: Annual charge, not per item	per year	None
Replacement card fee	$10	per item	None
Check Services
Stop Payment (Draft or ACH Item ONLY, NOT Debit Card Transactions)	$30	per item	None
Counter Checks (Without a pending WCU Check Order)	$1	per item	None
Counter/Temporary Check	$1	per item	None
Foreign Check DEPOSIT Fee	$25	per item	None
Check Copy (Including Receipts & ACH Transactions)	No charge	Not stated	None
Digital & Electronic
Person to Person(P2P) (ACH Origination)	$1	per item	None
Cash & Deposit
Credit/Debit Card Payment by Phone Fee (Cash Advance on Visa/Mastercard)	$10	Not stated	None
Deposited Item Return	$15	per item	None
Returned Deposited Item (Check Deposited & Returned Unpaid)	$15	per item	None
Account Services
10 x 10 Safe Deposit Box Rent	$75	per year	None
3 x 10 Safe Deposit Box Rent	$35	per year	None
3 x 5 Safe Deposit Box Rent	$20	per year	None
5 x 10 Safe Deposit Box Rent	$50	per year	None
Safe Deposit Box Drilling Fee (for Replacement of LOST KEY)	$150Not compared: Box drilling or key fee	Not stated	None
Legal Process Service (Garnishment/Levy)	$25	per item	None
Account Verification	$10	per item	None
Verification Of Deposit Fee (Account Verification Letters/Forms Completion)	$10	per item	None
Lending Fees
Late Fee of Delinquent Loans (Not to Exceed)	5%($10 minimum, $100 maximum)	per item	None
Other Fees
Express/Overnight Mail Delivery	$20	Not stated	None
Statement Copy	No charge	Not stated	None
Member Loan “Re-Application” Fee	$25	Not stated	None
NON-MEMBER Loan Application Fee	$10	per item	None
Other Lending Fee	$10	Not stated	None

Correct a fee source

Oct 26, 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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