Kalsee Federal Credit Union

Headquarters: Kalamazoo, Michigan
Charter: Credit Union
Assets: $291.5M
Fed district: Chicago

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

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

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

NSF / Returned Item
Kalsee Federal Credit Union: $35
Kalsee Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Kalsee Federal Credit Union: $2
Kalsee Federal Credit Union: $2
U.S. median: no median
Wire Transfer (Domestic Out)
Kalsee Federal Credit Union: $25
Kalsee Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 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 Kalsee Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account (after the first 6 months, then $10 per month thereafter)$10
per month
Account Reconcilement/Research (1-hour minimum charge)$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned/Undeliverable Mail (per membership account)$20
per month

Overdraft & NSF

Non-Sufficient Funds Check, ACH, or EFT through debit card transaction$35
per item
Overdraft Transfer from Savings/LOC/VISA Advance$5

ATM & Card

Out of Network ATM Usage – Includes Deposit, Withdrawal & Inquiry$2
per transaction
Debit Card Replacement – In Branch Delivery$10
per item

Wire Transfers

Outgoing Wire (US) - US Funds ONLY (per request)$25
per item
Incoming Wire (per request)$5
per item
Outgoing Wire (International) - US Funds ONLY (per request)$45
per item

Check Services

Cashier Check or Money Order Issuance/Reissuance - Member ONLY$5
per item
Starter Checks – (4 per sheet)$4
per item
Check Cashing (On Us Only – No Third Party) (audience not stated, treated as personal)$10
per item
Foreign Item Processing$25
per item
Check Copy (Cashier's Check, Money Order, Deposited Item, On Us, Bill Pay, Share Draft)$5
per item

Cash & Deposit

Coin Processing – Member ONLYNo charge
Credit Card Cash AdvanceNo charge
Return Deposited Item$30
per item

Account Services

Notary – Member Only (Free if Gold, Platinum, or VIP Member)$5
Not compared: Charged per document; comparison unavailable
per document
Large (5” x 10”) – Annual Fee Posted on 1 st business day in January – Prorated fees apply$60
per year
Lock Drilling$250
Not compared: Box drilling or key fee
Medium (3” x 10”) – Annual Fee Posted on 1 st business day in January – Prorated fees apply$48
per year
Mini (3” x 5”) – Annual Fee Posted on 1 st business day in January – Prorated fees apply$24
per year
Replacement Key$10
Not compared: Box drilling or key fee
Small (5” x 5”) – Annual Fee Posted on 1 st business day in January – Prorated fees apply$36
per year
X-Large (10” x 10”) – Annual Fee Posted on 1 st business day in January – Prorated fees apply$96
per year
Tax Levy / Garnishments$75
per item
Mortgage Subordination$100
per item
Subpoena Information Request$75
per item
Verification of Deposit$5
per item

Gift & Prepaid Cards

Gift Cards ($25 up to $500 Only)$5
per item

Other Fees

Statement Reproduction (VISA or Regular Member Account Statement)$5
Loan Extension Fee – Non “Skip A Pay” Offering$50
per item
Skip A Pay – In Branch or Over the Phone Request$40
per item
Skip A Pay – Online Request$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (after the first 6 months, then $10 per month thereafter)	$10	per month	None
Account Reconcilement/Research (1-hour minimum charge)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned/Undeliverable Mail (per membership account)	$20	per month	None
Overdraft & NSF
Non-Sufficient Funds Check, ACH, or EFT through debit card transaction	$35	per item	None
Overdraft Transfer from Savings/LOC/VISA Advance	$5	Not stated	None
ATM & Card
Out of Network ATM Usage – Includes Deposit, Withdrawal & Inquiry	$2	per transaction	None
Debit Card Replacement – In Branch Delivery	$10	per item	None
Wire Transfers
Outgoing Wire (US) - US Funds ONLY (per request)	$25	per item	None
Incoming Wire (per request)	$5	per item	None
Outgoing Wire (International) - US Funds ONLY (per request)	$45	per item	None
Check Services
Cashier Check or Money Order Issuance/Reissuance - Member ONLY	$5	per item	None
Starter Checks – (4 per sheet)	$4	per item	None
Check Cashing (On Us Only – No Third Party) (audience not stated, treated as personal)	$10	per item	None
Foreign Item Processing	$25	per item	None
Check Copy (Cashier's Check, Money Order, Deposited Item, On Us, Bill Pay, Share Draft)	$5	per item	None
Cash & Deposit
Coin Processing – Member ONLY	No charge	Not stated	None
Credit Card Cash Advance	No charge	Not stated	None
Return Deposited Item	$30	per item	None
Account Services
Notary – Member Only (Free if Gold, Platinum, or VIP Member)	$5Not compared: Charged per document; comparison unavailable	per document	None
Large (5” x 10”) – Annual Fee Posted on 1 st business day in January – Prorated fees apply	$60	per year	None
Lock Drilling	$250Not compared: Box drilling or key fee	Not stated	None
Medium (3” x 10”) – Annual Fee Posted on 1 st business day in January – Prorated fees apply	$48	per year	None
Mini (3” x 5”) – Annual Fee Posted on 1 st business day in January – Prorated fees apply	$24	per year	None
Replacement Key	$10Not compared: Box drilling or key fee	Not stated	None
Small (5” x 5”) – Annual Fee Posted on 1 st business day in January – Prorated fees apply	$36	per year	None
X-Large (10” x 10”) – Annual Fee Posted on 1 st business day in January – Prorated fees apply	$96	per year	None
Tax Levy / Garnishments	$75	per item	None
Mortgage Subordination	$100	per item	None
Subpoena Information Request	$75	per item	None
Verification of Deposit	$5	per item	None
Gift & Prepaid Cards
Gift Cards ($25 up to $500 Only)	$5	per item	None
Other Fees
Statement Reproduction (VISA or Regular Member Account Statement)	$5	Not stated	None
Loan Extension Fee – Non “Skip A Pay” Offering	$50	per item	None
Skip A Pay – In Branch or Over the Phone Request	$40	per item	None
Skip A Pay – Online Request	$30	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 5, 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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