Whitewater Community Federal Credit Union

Headquarters: harrison, Ohio
Charter: Credit Union
Assets: $11.3M
Fed district: Cleveland

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

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

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

Overdraft (OD)
Whitewater Community Federal Credit Union: $30
Whitewater Community Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Whitewater Community Federal Credit Union: $30
Whitewater Community Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Whitewater Community Federal Credit Union: $15
Whitewater Community Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland 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).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 Whitewater Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closed Within 90 Days of Opening$5
Dormant Account Fee (after no activity for 12 months)$3
per month

Overdraft & NSF

Overdraft/Honor Fees$30
ACH NSF Fee / ACH Honored$30
Draft Returned for NSF or Honored$30
NSF Withdrawal$30

ATM & Card

Debit Card Replacement Fee$5
Replacement Card Fee$10
Foreign Transaction Conversion Fee (audience not stated, treated as personal)1%of the transaction
Foreign Transaction Conversion Fee1%of the transaction

Wire Transfers

Wire Fee - Outgoing Domestic$15
Wire Fee - Incoming$5

Check Services

Credit Union Cashiers Checks Payable to Member$1
Credit Union Cashiers Checks Payable to Non-Members$3
Money Orders$1
ACH Stop Payment (one time stop)$25
Stop Payment$25
per item
Non-Member Check Cashing$5
Cleared Draft Copies$3
per item

Cash & Deposit

Cash Advance/Balance Transfer Fee (audience not stated, treated as personal)2%($2 minimum, $50 maximum)
Cash Advance/Balance Transfer Fee2%($2 minimum, $50 maximum)
Deposit Item Returned (from other people)$20
Deposit Item Returned (from your account)$25

Account Services

Notary ServiceNo charge
Garnishment / Collection Item Fee$25

Lending Fees

Late Payment Fee (after 10 days overdue)$20

Other Fees

Fax Fee (10 page max)$1
Photocopy Fee$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Account Closed Within 90 Days of Opening	$5	Not stated	None
Dormant Account Fee (after no activity for 12 months)	$3	per month	None
Overdraft & NSF
Overdraft/Honor Fees	$30	Not stated	None
ACH NSF Fee / ACH Honored	$30	Not stated	None
Draft Returned for NSF or Honored	$30	Not stated	None
NSF Withdrawal	$30	Not stated	None
ATM & Card
Debit Card Replacement Fee	$5	Not stated	None
Replacement Card Fee	$10	Not stated	None
Foreign Transaction Conversion Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Foreign Transaction Conversion Fee	1%of the transaction	Not stated	None
Wire Transfers
Wire Fee - Outgoing Domestic	$15	Not stated	None
Wire Fee - Incoming	$5	Not stated	None
Check Services
Credit Union Cashiers Checks Payable to Member	$1	Not stated	None
Credit Union Cashiers Checks Payable to Non-Members	$3	Not stated	None
Money Orders	$1	Not stated	None
ACH Stop Payment (one time stop)	$25	Not stated	None
Stop Payment	$25	per item	None
Non-Member Check Cashing	$5	Not stated	None
Cleared Draft Copies	$3	per item	None
Cash & Deposit
Cash Advance/Balance Transfer Fee (audience not stated, treated as personal)	2%($2 minimum, $50 maximum)	Not stated	None
Cash Advance/Balance Transfer Fee	2%($2 minimum, $50 maximum)	Not stated	None
Deposit Item Returned (from other people)	$20	Not stated	None
Deposit Item Returned (from your account)	$25	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Garnishment / Collection Item Fee	$25	Not stated	None
Lending Fees
Late Payment Fee (after 10 days overdue)	$20	Not stated	None
Other Fees
Fax Fee (10 page max)	$1	Not stated	None
Photocopy Fee	$0.25Not compared: Charged per page; comparison unavailable	per page	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

Oct 5, 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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