Advia Federal Credit Union

Headquarters: Kalamazoo, Michigan
Charter: Credit Union
Assets: $4.1B
Fed district: Chicago

24 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)
Advia Federal Credit Union: $28
Advia Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Advia Federal Credit Union: $28
Advia Federal Credit Union: $28
U.S. median: no median
Non-Network ATM
Advia Federal Credit Union: $2
Advia Federal Credit Union: $2
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 Advia Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Money Market Checking (average balances below $1,000) (audience not stated, treated as personal)$10
per month
Account Closing (within 90 days)$5
Account Reopen (within 90 days)$10
one time · Only if reopened within 90 days
Escheatment Processing$100
Inactive Account$5
per month
Account Research/Reconcile$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Research/Reconcile | $25 per hour (one hour minimum)
Paper Statement (Mailed)$2.50
Returned Mail/Bad Address$5
Returned Mail/Bad Address (per month)$5
per month

Overdraft & NSF

Courtesy Pay Coverage on Overdraft$28
Returned Item (debit, draft, EFT)$28
Overdraft Transfers$5

ATM & Card

ATM Transactions (non-Advia CU/non-CO-OP Network) (audience not stated, treated as personal)$2
Member-Requested ATM/Debit Card Replacement$5
Card Rush Order$30

Wire Transfers

Wire Transfer: Domestic Outgoing$25
Wire Transfer: IncomingNo charge

Check Services

Cashier’s Check$5
Money Orders$3
Stop Payment Order – Item Returned/Cancellation$32
Temporary Checks$4
Not compared: Charged per page; comparison unavailable
per page · Temporary Checks | $4 per page
Non-Member Check Cashing (by credit union staff)$5
Foreign Check Processing$4
Check Copy$5
Check Images on Statements$3

Account Services

Safe Deposit Box 10x10$110
per year
Safe Deposit Box 10x10 (audience not stated, treated as personal)$110
Safe Deposit Box 30 Day Late Payment (by credit union staff)$10
Not compared: Box drilling or key fee
Safe Deposit Box 3x10$50
per year
Safe Deposit Box 3x10 (audience not stated, treated as personal)$50
Safe Deposit Box 3x5$35
per year
Safe Deposit Box 3x5 (audience not stated, treated as personal)$35
Safe Deposit Box 5x10$70
per year
Safe Deposit Box 5x10 (audience not stated, treated as personal)$70
Safe Deposit Box 5x5$45
per year
Safe Deposit Box 5x5 (audience not stated, treated as personal)$45
Safe Deposit Box Replacement Key$10
Not compared: Box drilling or key fee
Garnishment/Tax Levy/ Subpoena – Legal Processing$75

Retirement & IRA

IRA Transfer$25

Other Fees

Account History Print (statement copy)$1
Not compared: Charged per page; comparison unavailable
per page · Account History Print (statement copy) | $1 per page
Copying/Faxing$3
Loan Skip Pay (restrictions apply)$35

Fee	Amount	Basis	Note
Account Maintenance
Money Market Checking (average balances below $1,000) (audience not stated, treated as personal)	$10	per month	None
Account Closing (within 90 days)	$5	Not stated	None
Account Reopen (within 90 days)	$10	one time	Only if reopened within 90 days
Escheatment Processing	$100	Not stated	None
Inactive Account	$5	per month	None
Account Research/Reconcile	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Research/Reconcile \| $25 per hour (one hour minimum)
Paper Statement (Mailed)	$2.50	Not stated	None
Returned Mail/Bad Address	$5	Not stated	None
Returned Mail/Bad Address (per month)	$5	per month	None
Overdraft & NSF
Courtesy Pay Coverage on Overdraft	$28	Not stated	None
Returned Item (debit, draft, EFT)	$28	Not stated	None
Overdraft Transfers	$5	Not stated	None
ATM & Card
ATM Transactions (non-Advia CU/non-CO-OP Network) (audience not stated, treated as personal)	$2	Not stated	None
Member-Requested ATM/Debit Card Replacement	$5	Not stated	None
Card Rush Order	$30	Not stated	None
Wire Transfers
Wire Transfer: Domestic Outgoing	$25	Not stated	None
Wire Transfer: Incoming	No charge	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Money Orders	$3	Not stated	None
Stop Payment Order – Item Returned/Cancellation	$32	Not stated	None
Temporary Checks	$4Not compared: Charged per page; comparison unavailable	per page	Temporary Checks \| $4 per page
Non-Member Check Cashing (by credit union staff)	$5	Not stated	None
Foreign Check Processing	$4	Not stated	None
Check Copy	$5	Not stated	None
Check Images on Statements	$3	Not stated	None
Account Services
Safe Deposit Box 10x10	$110	per year	None
Safe Deposit Box 10x10 (audience not stated, treated as personal)	$110	Not stated	None
Safe Deposit Box 30 Day Late Payment (by credit union staff)	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 3x10	$50	per year	None
Safe Deposit Box 3x10 (audience not stated, treated as personal)	$50	Not stated	None
Safe Deposit Box 3x5	$35	per year	None
Safe Deposit Box 3x5 (audience not stated, treated as personal)	$35	Not stated	None
Safe Deposit Box 5x10	$70	per year	None
Safe Deposit Box 5x10 (audience not stated, treated as personal)	$70	Not stated	None
Safe Deposit Box 5x5	$45	per year	None
Safe Deposit Box 5x5 (audience not stated, treated as personal)	$45	Not stated	None
Safe Deposit Box Replacement Key	$10Not compared: Box drilling or key fee	Not stated	None
Garnishment/Tax Levy/ Subpoena – Legal Processing	$75	Not stated	None
Retirement & IRA
IRA Transfer	$25	Not stated	None
Other Fees
Account History Print (statement copy)	$1Not compared: Charged per page; comparison unavailable	per page	Account History Print (statement copy) \| $1 per page
Copying/Faxing	$3	Not stated	None
Loan Skip Pay (restrictions apply)	$35	Not stated	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

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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