Energy Capital Federal Credit Union

Headquarters: Houston, Texas
Charter: Credit Union
Assets: $261.4M
Fed district: Dallas

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

Source: its fee schedule, read Nov 4, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Power Checking
Energy Capital Federal Credit Union: $10
Energy Capital Federal Credit Union: $10
U.S. median: no median
NSF / Returned Item
Energy Capital Federal Credit Union: $30
Energy Capital Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Energy Capital Federal Credit Union: $2
Energy Capital 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 4, 2026View sources

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

Account Maintenance

Power Checking Monthly service charge (audience not stated, treated as personal)$10
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$2
Paper Statement Fee (waived for 50-Watt Checking)$4
Returned Mail$6

Overdraft & NSF

Non-Sufficient Funds (NSF)$30
per item
Overdraft Protection Transfer$7
Not compared: Daily charge, not per item
per day

ATM & Card

Excessive ATM Withdrawal-Foreign ATM Fee$2
Debit Card Replacement$9

Wire Transfers

Wire Transfer (Outgoing-domestic, in-person)$35
Wire Transfer (Outgoing-domestic, online)$25
Incoming Wire$14
Wire Transfer (Incoming)$16

Check Services

Teller Check (member)$6
Money Order (member)$4
Money Order (non-member)$5
Stop Payment$25
per item
Non-Member Check Cashing$10
Domestic Collection Item$20
Cleared Check Copy$3

Digital & Electronic

ACH Origination – Same Day$30
Bill Pay- Expedited Payment$20
Not compared: Per-item charge, not monthly
per item

Account Services

Late Payment (30 days past due)$10
Not compared: Box drilling or key fee
Safe Deposit Box 10 X 10 (audience not stated, treated as personal)$120
Safe Deposit Box 3 X 10 (audience not stated, treated as personal)$50
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$25
per year
Safe Deposit Box 3 X 5$25
per year
Safe Deposit Box 5 X 10 (audience not stated, treated as personal)$75
Garnishment, Execution, Levy$50
Not compared: Charged per hour; comparison unavailable
per hour

Other Fees

Overnight Mail Delivery (Member Request)$30
Loan Skip-a-Payment (email/mail/in person)$45
Loan Skip-a-Payment (online)$35

Fee	Amount	Basis	Note
Account Maintenance
Power Checking Monthly service charge (audience not stated, treated as personal)	$10	per month	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$2	Not stated	None
Paper Statement Fee (waived for 50-Watt Checking)	$4	Not stated	None
Returned Mail	$6	Not stated	None
Overdraft & NSF
Non-Sufficient Funds (NSF)	$30	per item	None
Overdraft Protection Transfer	$7Not compared: Daily charge, not per item	per day	None
ATM & Card
Excessive ATM Withdrawal-Foreign ATM Fee	$2	Not stated	None
Debit Card Replacement	$9	Not stated	None
Wire Transfers
Wire Transfer (Outgoing-domestic, in-person)	$35	Not stated	None
Wire Transfer (Outgoing-domestic, online)	$25	Not stated	None
Incoming Wire	$14	Not stated	None
Wire Transfer (Incoming)	$16	Not stated	None
Check Services
Teller Check (member)	$6	Not stated	None
Money Order (member)	$4	Not stated	None
Money Order (non-member)	$5	Not stated	None
Stop Payment	$25	per item	None
Non-Member Check Cashing	$10	Not stated	None
Domestic Collection Item	$20	Not stated	None
Cleared Check Copy	$3	Not stated	None
Digital & Electronic
ACH Origination – Same Day	$30	Not stated	None
Bill Pay- Expedited Payment	$20Not compared: Per-item charge, not monthly	per item	None
Account Services
Late Payment (30 days past due)	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 X 10 (audience not stated, treated as personal)	$120	Not stated	None
Safe Deposit Box 3 X 10 (audience not stated, treated as personal)	$50	Not stated	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$25	per year	None
Safe Deposit Box 3 X 5	$25	per year	None
Safe Deposit Box 5 X 10 (audience not stated, treated as personal)	$75	Not stated	None
Garnishment, Execution, Levy	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Other Fees
Overnight Mail Delivery (Member Request)	$30	Not stated	None
Loan Skip-a-Payment (email/mail/in person)	$45	Not stated	None
Loan Skip-a-Payment (online)	$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 4, 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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