Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, $1B to $10B

4Front Federal Credit Union

Traverse City, MichiganCredit UnionChicago Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Balancing/Research$25Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay$25Within the typical range ($25–$32 nationally)
$5 below the national median
per day · Source
NSF - Debit Card Returned$25Within the typical range ($25–$31.50 nationally)
$5 below the national median
per day · Source

ATM & CardVerified

Card Replacement$10Within the typical range ($5–$10 nationally)
At the national median
Source
Card Replacement (rush)$50Within the typical range ($30–$50 nationally)
$10 above the national median
Source

Wire TransfersVerified

Outgoing Domestic Wire$25Within the typical range ($20–$25 nationally)
At the national median
Source
Outgoing International Wire$50Within the typical range ($40–$50 nationally)
At the national median
Source

Check ServicesVerified

Check Cashing (non-member)$3Below the typical range ($5–$10 nationally)
$2 below the national median
per item · Source
Money Order$2Within the typical range ($1.75–$3 nationally)
At the national median
Source
Stop Payment$25Within the typical range ($20–$30 nationally)
$1 below the national median
per item · Source

Digital & ElectronicVerified

ACH Return (unauthorized)$25Within the typical range ($17.75–$30 nationally)
$2 below the national median
per item · Source
ACH Return or Notice of Change$15Below the typical range ($17.75–$30 nationally)
$12 below the national median
per item · Source
Bill Pay Inactivity$5Within the typical range ($0–$11.13 nationally)
$0.05 above the national median
per month · Source
New ACH Origination or Change to Existing Origination$20Within the typical range ($5–$20 nationally)
$10 above the national median
per item · Source
NSF - ACH or Check Returned$25Within the typical range ($17.75–$30 nationally)
$2 below the national median
per day · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Balancing/Research	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Inactive Checking Account	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Overdraft & NSFVerified
Courtesy Pay	$25Within the typical range ($25–$32 nationally)	$5 below the national median	per day	—	Source
NSF - Debit Card Returned	$25
ATM & CardVerified
Card Replacement	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Card Replacement (rush)	$50
Wire TransfersVerified
Outgoing Domestic Wire	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Outgoing International Wire	$50
Check ServicesVerified
Check Cashing (non-member)	$3Below the typical range ($5–$10 nationally)	$2 below the national median	per item	—	Source
Money Order	$2
Digital & ElectronicVerified
ACH Return (unauthorized)	$25Within the typical range ($17.75–$30 nationally)	$2 below the national median	per item	—	Source
ACH Return or Notice of Change	$15
Cash & DepositVerified
Returned Deposited Item (from outside institution)	$25Within the typical range ($10–$25 nationally)	$10 above the national median	per item	—	Source
Account ServicesVerified
Garnishment/Escheat/Tax Levy	$50Within the typical range ($30–$75 nationally)	At the national median	—	—	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$25

Overdraft fee: $25

17% below the national median overdraft fee

Total fees: 18 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$1.0B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.0B

Total deposits

$929.6M

Service charge income (year to date)

$4.1M

Fee income ratio

10.8%

Return on assets

0.60%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 37,029 published fee entries from 2,596 institutions

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