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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Among its peers

4Front Federal Credit Union · $1B in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Credit unions only
$983M to $1.1B in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
4Front Federal Credit Union(this institution)	Traverse City, MI	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1St Advantage Federal Credit Union	Newport News, VA	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Blupeak Federal Credit Union	San Diego, CA	$1.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Brazos Valley Schools Federal Credit Union	Katy, TX	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Brightstar Federal Credit Union	Fort Lauderdale, FL	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Connex Federal Credit Union	North Haven, CT	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Del-One Federal Credit Union	Dover, DE	$983M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Enrichment Federal Credit Union	Oak Ridge, TN	$984M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Family Security Federal Credit Union	Decatur, AL	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Golden Plains Federal Credit Union	Garden City, KS	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Greater Texas Federal Credit Union	Austin, TX	$995M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Heritage Federal Credit Union	Newburgh, IN	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Houston Police Federal Credit Union	Houston, TX	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kellogg Community Federal Credit Union	Battle Creek, MI	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Latino Community Federal Credit Union	Durham, NC	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mccoy Federal Credit Union	Orlando, FL	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Merck Sharp & Dohme Federal Credit Union	Chalfont, PA	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Mirastar Federal Credit Union	San Jose, CA	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
People First Federal Credit Union	Allentown, PA	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Point Breeze Federal Credit Union	Hunt Valley, MD	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Power Financial Federal Credit Union	Pembroke Pines, FL	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
St. Mary'S Federal Credit Union	Marlborough, MA	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tucson Federal Credit Union	Tucson, AZ	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Velocity Federal Credit Union	Austin, TX	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Water And Power Community Federal Credit Union	Los Angeles, CA	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Westby Co-Op Federal Credit Union	Westby, WI	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

4Front Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5.50 among 12 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

4Front Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

4Front Federal Credit Uni…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.

Fee change alerts

Get an email when 4Front Federal Credit Union's early account closure changes in our data

We check once a day and send one email covering every change.

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.

Among its peers

4Front Federal Credit Union · $1B in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Credit unions only
$983M to $1.1B in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
4Front Federal Credit Union(this institution)	Traverse City, MI	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1St Advantage Federal Credit Union	Newport News, VA	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Blupeak Federal Credit Union	San Diego, CA	$1.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Brazos Valley Schools Federal Credit Union	Katy, TX	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Brightstar Federal Credit Union	Fort Lauderdale, FL	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Connex Federal Credit Union	North Haven, CT	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Del-One Federal Credit Union	Dover, DE	$983M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Enrichment Federal Credit Union	Oak Ridge, TN	$984M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Family Security Federal Credit Union	Decatur, AL	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Golden Plains Federal Credit Union	Garden City, KS	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Greater Texas Federal Credit Union	Austin, TX	$995M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Heritage Federal Credit Union	Newburgh, IN	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Houston Police Federal Credit Union	Houston, TX	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kellogg Community Federal Credit Union	Battle Creek, MI	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Latino Community Federal Credit Union	Durham, NC	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mccoy Federal Credit Union	Orlando, FL	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Merck Sharp & Dohme Federal Credit Union	Chalfont, PA	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Mirastar Federal Credit Union	San Jose, CA	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
People First Federal Credit Union	Allentown, PA	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Point Breeze Federal Credit Union	Hunt Valley, MD	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Power Financial Federal Credit Union	Pembroke Pines, FL	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
St. Mary'S Federal Credit Union	Marlborough, MA	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tucson Federal Credit Union	Tucson, AZ	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Velocity Federal Credit Union	Austin, TX	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Water And Power Community Federal Credit Union	Los Angeles, CA	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Westby Co-Op Federal Credit Union	Westby, WI	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

4Front Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5.50 among 12 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

4Front Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

4Front Federal Credit Uni…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.