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, under $300M

Whitewater Community Federal Credit Union

harrison, OhioCredit UnionCleveland Fed districtFees collected Feb 17, 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 Closed Within 90 Days of Opening$5Below the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=early_closure; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Account Closed Within 90 Days of Opening | $5" · Source

Dormant Account Fee (after no activity for 12 months)$3

$2 below the national median

per month · Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=dormant_account; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Dormant Account Fee (after no activity for 12 months) | $3 / month" · Source

Overdraft & NSFVerified

Draft Returned for NSF or Honored$30Within the typical range ($25–$31 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=nsf; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Draft Returned for NSF or Honored | $30" · Source
Overdraft/Honor Fees$30Within the typical range ($25–$30.59 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=overdraft; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Overdraft/Honor Fees* | $30" · Source
Returned Check Fee (returned payment)$20Below the typical range ($25–$31 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=nsf; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Returned Check Fee (returned payment) | $20" · Source

ATM & CardVerified

ATM Transaction at WCCU ATM or MoneyPass ATM$0Below the typical range ($1–$2.50 nationally)
$1.63 below the national median
Knox read a free fee from Rosetta artifact #4919. canonical_hint=atm_non_network; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="ATM Transaction at WCCU ATM or MoneyPass ATM | FREE" · Source
Debit Card Replacement Fee$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=card_replacement; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Debit Card Replacement Fee | $5" · Source
Replacement Card Fee$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=card_replacement; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Replacement Card Fee | $10" · Source

Wire TransfersVerified

Wire Fee - Incoming$5Within the typical range ($5–$15 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=wire_domestic_incoming; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Wire Fee - Incoming | $5" · Source
Wire Fee - Outgoing Domestic$15Below the typical range ($20–$25 nationally)
$7.50 below the national median
Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=wire_domestic_outgoing; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Wire Fee - Outgoing Domestic | $15" · Source

Check ServicesVerified

ACH Stop Payment (one time stop)$25Within the typical range ($20–$30 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=stop_payment; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="ACH Stop Payment (one time stop) | $25" · Source
Credit Union Cashiers Checks Payable to Non-Members$3Within the typical range ($3–$5.50 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=cashiers_check; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Credit Union Cashiers Checks Payable to Non-Members | $3" · Source
Money Orders$1Below the typical range ($2–$3.50 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=money_order; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Money Orders | $1" · Source
Non-Member Check Cashing (must be drawn on WCCU)$5Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=check_cashing; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Non-Member Check Cashing (must be drawn on WCCU) | $5" · Source
Stop Payment$25Within the typical range ($20–$30 nationally)
$1 below the national median
per item · Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=stop_payment; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Stop Payment | $25 per item" · Source

Cash & DepositVerified

Deposit Item Returned (from other people)$20Within the typical range ($9–$25 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=deposited_item_return; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Deposit Item Returned (from other people) | $20" · Source
Deposit Item Returned (from your account)$25Within the typical range ($9–$25 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=deposited_item_return; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Deposit Item Returned (from your account) | $25" · Source

Account ServicesVerified

Garnishment / Collection Item Fee$25Below the typical range ($30–$75 nationally)
$25 below the national median
Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=garnishment_levy; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Garnishment / Collection Item Fee | $25" · Source
Notary Service$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Knox read a free fee from Rosetta artifact #4919. canonical_hint=notary_fee; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Notary Service | FREE" · Source

Lending FeesVerified

Late Payment Fee (after 10 days overdue)$20Within the typical range ($15–$25 nationally)
$2.50 below the national median
Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=late_payment; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Late Payment Fee (after 10 days overdue) | $20" · Source

Other FeesVerified

Photocopy Fee$0.25Below the typical range ($2–$5 nationally)
$2.75 below the national median
Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=document_reproduction; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Photocopy Fee | $0.25 per page" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closed Within 90 Days of Opening	$5Below the typical range ($10–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=early_closure; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Account Closed Within 90 Days of Opening \| $5"	Source
Dormant Account Fee (after no activity for 12 months)	$3Below the typical range ($5–$10 nationally)	$2 below the national median	per month	Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=dormant_account; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Dormant Account Fee (after no activity for 12 months) \| $3 / month"	Source
Overdraft & NSFVerified
Draft Returned for NSF or Honored	$30Within the typical range ($25–$31 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=nsf; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Draft Returned for NSF or Honored \| $30"	Source
Overdraft/Honor Fees	$30
ATM & CardVerified
ATM Transaction at WCCU ATM or MoneyPass ATM	$0Below the typical range ($1–$2.50 nationally)	$1.63 below the national median	—	Knox read a free fee from Rosetta artifact #4919. canonical_hint=atm_non_network; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="ATM Transaction at WCCU ATM or MoneyPass ATM \| FREE"	Source
Debit Card Replacement Fee
Wire TransfersVerified
Wire Fee - Incoming	$5Within the typical range ($5–$15 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=wire_domestic_incoming; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Wire Fee - Incoming \| $5"	Source
Wire Fee - Outgoing Domestic
Check ServicesVerified
ACH Stop Payment (one time stop)	$25Within the typical range ($20–$30 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=stop_payment; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="ACH Stop Payment (one time stop) \| $25"	Source
Credit Union Cashiers Checks Payable to Non-Members
Cash & DepositVerified
Deposit Item Returned (from other people)	$20Within the typical range ($9–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=deposited_item_return; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Deposit Item Returned (from other people) \| $20"	Source
Deposit Item Returned (from your account)
Account ServicesVerified
Garnishment / Collection Item Fee	$25Below the typical range ($30–$75 nationally)	$25 below the national median	—	Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=garnishment_levy; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Garnishment / Collection Item Fee \| $25"	Source
Notary Service
Lending FeesVerified
Late Payment Fee (after 10 days overdue)	$20Within the typical range ($15–$25 nationally)	$2.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=late_payment; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Late Payment Fee (after 10 days overdue) \| $20"	Source
Other FeesVerified
Photocopy Fee	$0.25Below the typical range ($2–$5 nationally)	$2.75 below the national median	—	Knox deterministic extraction from Rosetta artifact #4919. canonical_hint=document_reproduction; text_hash=6f387fb1e15175a1edf0005bb68c323ba5b8a8113e0fdfb2228120ca24623beb; excerpt="Photocopy Fee \| $0.25 per page"	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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 21 — leaner than most institutions

Published fees

Under review

Assets

$11.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$11.3M

Total deposits

$10.1M

Service charge income (year to date)

$59K

Fee income ratio

14.9%

Return on assets

0.29%

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 25,267 verified fees from 2,206 institutions

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