4Front Federal Credit Union

Headquarters: Traverse City, Michigan
Charter: Credit Union
Assets: $1.0B
Fed district: Chicago

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

Source: its fee schedule, read Nov 3, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
4Front Federal Credit Union: $25
4Front Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
4Front Federal Credit Union: $25
4Front Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
4Front Federal Credit Union: $25
4Front 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 3, 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 4Front Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Escheatment$50
Inactive Checking Account$5
per month
Account Balancing/Research$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Balancing/Research | $25.00 per hour (1 hour minimum)
Address Correction$5
per month

Overdraft & NSF

Courtesy Pay$25
NSF - Debit Card Returned$25

ATM & Card

Card Replacement$10
Card Replacement (rush)$50

Wire Transfers

Outgoing Domestic Wire$25
Outgoing International Wire$50

Check Services

Money Order$2
Stop Payment$25
per item
Check Cashing (non-member)$3
per item
Foreign Check/Item Deposit$20
per item
Image Copy (staff assistance)$2

Digital & Electronic

New ACH Origination or Change to Existing Origination$20
per item
ACH Return (unauthorized)$25
per item
ACH Return or Notice of Change$15
per item
NSF - ACH or Check Returned$25
Not compared: Daily charge, not per item
per day
Bill Pay Inactivity$5
per month

Cash & Deposit

Returned Deposited Item (from outside institution)$25
per item

Account Services

Garnishment/Escheat/Tax Levy$50

Gift & Prepaid Cards

Gift and Reloadable Travel Cards$3

Fee	Amount	Basis	Note
Account Maintenance
Escheatment	$50	Not stated	None
Inactive Checking Account	$5	per month	None
Account Balancing/Research	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Balancing/Research \| $25.00 per hour (1 hour minimum)
Address Correction	$5	per month	None
Overdraft & NSF
Courtesy Pay	$25	Not stated	None
NSF - Debit Card Returned	$25	Not stated	None
ATM & Card
Card Replacement	$10	Not stated	None
Card Replacement (rush)	$50	Not stated	None
Wire Transfers
Outgoing Domestic Wire	$25	Not stated	None
Outgoing International Wire	$50	Not stated	None
Check Services
Money Order	$2	Not stated	None
Stop Payment	$25	per item	None
Check Cashing (non-member)	$3	per item	None
Foreign Check/Item Deposit	$20	per item	None
Image Copy (staff assistance)	$2	Not stated	None
Digital & Electronic
New ACH Origination or Change to Existing Origination	$20	per item	None
ACH Return (unauthorized)	$25	per item	None
ACH Return or Notice of Change	$15	per item	None
NSF - ACH or Check Returned	$25Not compared: Daily charge, not per item	per day	None
Bill Pay Inactivity	$5	per month	None
Cash & Deposit
Returned Deposited Item (from outside institution)	$25	per item	None
Account Services
Garnishment/Escheat/Tax Levy	$50	Not stated	None
Gift & Prepaid Cards
Gift and Reloadable Travel Cards	$3	Not stated	None

Correct a fee source

Nov 3, 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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