Oneaz Federal Credit Union

Headquarters: Phoenix, Arizona
Charter: Credit Union
Assets: $4.5B
Fed district: San Francisco

15 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 $8.50, the middle of its prices
Oneaz Federal Credit Union: $5 to $12
Oneaz Federal Credit Union: $5 to $12
U.S. median: no median
Overdraft (OD)
Oneaz Federal Credit Union: $29
Oneaz Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
Oneaz Federal Credit Union: $25
Oneaz Federal Credit Union: $25
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 Arizona, 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).
Arizona: Banks and credit unions headquartered in Arizona 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 Oneaz Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Benefits Checking Monthly service charge$5
per month
Monthly maintenance fee$5
per month
Premium Checking Monthly Maintenance Fee$12
per month
Premium Checking Monthly service charge$12
per month
Money Market Minimum Balance Fee$10
per month
Dormant Account Fee$20
Account Reconciliation (1/4 hour minimum)$15
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation (1/4 hour minimum) ………………………………………………………………………………………….. $15.00 per hour

Overdraft & NSF

Courtesy Pay Overdraft Fee (5 maximum per day)$29
per item
Outgoing Bill Payment (non-sufficient funds)$25
per item

ATM & Card

Non-Network ATM Fee (5th & subsequent)$2
per item

Wire Transfers

Outgoing Domestic Wire Transfer$20
per item
Incoming Domestic Wire Transfer$10
per item
Outgoing Foreign Wire Transfer$35
per item
Incoming Foreign Wire Transfer (U.S. currency)$10
per item

Check Services

Official Check (waived for Benefits Checking and Premium Checking Accounts)$5
per item
Check Printing Varies: Collection (domestic)$7.50
per item
Stop Payment Fee$25
per item
Check Cashing Fee$10
per item

Cash & Deposit

Coinstar© Fee5%

Account Services

Safe Deposit Box 10” x 10”$100
per year
Safe Deposit Box 2” x 5”$20
per year
Safe Deposit Box 3” x 10”$45
per year
Safe Deposit Box 3” x 5”$25
per year
Safe Deposit Box 5” x 10”$60
per year
Safe Deposit Box 5" x 5”$30
per year
Safe Deposit Box Late Fee$10
Not compared: Box drilling or key fee
Legal Processing (1/4 hour minimum)$20
Not compared: Charged per hour; comparison unavailable
per hour · Legal Processing (1/4 hour minimum) ……………………………………………………………………………………………….. | $20.00 per hour

Fee	Amount	Basis	Note
Account Maintenance
Benefits Checking Monthly service charge	$5	per month	None
Monthly maintenance fee	$5	per month	None
Premium Checking Monthly Maintenance Fee	$12	per month	None
Premium Checking Monthly service charge	$12	per month	None
Money Market Minimum Balance Fee	$10	per month	None
Dormant Account Fee	$20	Not stated	None
Account Reconciliation (1/4 hour minimum)	$15Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation (1/4 hour minimum) ………………………………………………………………………………………….. $15.00 per hour
Overdraft & NSF
Courtesy Pay Overdraft Fee (5 maximum per day)	$29	per item	None
Outgoing Bill Payment (non-sufficient funds)	$25	per item	None
ATM & Card
Non-Network ATM Fee (5th & subsequent)	$2	per item	None
Wire Transfers
Outgoing Domestic Wire Transfer	$20	per item	None
Incoming Domestic Wire Transfer	$10	per item	None
Outgoing Foreign Wire Transfer	$35	per item	None
Incoming Foreign Wire Transfer (U.S. currency)	$10	per item	None
Check Services
Official Check (waived for Benefits Checking and Premium Checking Accounts)	$5	per item	None
Check Printing Varies: Collection (domestic)	$7.50	per item	None
Stop Payment Fee	$25	per item	None
Check Cashing Fee	$10	per item	None
Cash & Deposit
Coinstar© Fee	5%	Not stated	None
Account Services
Safe Deposit Box 10” x 10”	$100	per year	None
Safe Deposit Box 2” x 5”	$20	per year	None
Safe Deposit Box 3” x 10”	$45	per year	None
Safe Deposit Box 3” x 5”	$25	per year	None
Safe Deposit Box 5” x 10”	$60	per year	None
Safe Deposit Box 5" x 5”	$30	per year	None
Safe Deposit Box Late Fee	$10Not compared: Box drilling or key fee	Not stated	None
Legal Processing (1/4 hour minimum)	$20Not compared: Charged per hour; comparison unavailable	per hour	Legal Processing (1/4 hour minimum) ……………………………………………………………………………………………….. \| $20.00 per hour

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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