Whitefish Credit Union Association

Headquarters: Whitefish, Montana
Charter: Credit Union
Assets: $2.1B
Fed district: Minneapolis

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

Source: its fee schedule, read Mar 17, 2026.

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Fees against the market

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

NSF / Returned Item
Whitefish Credit Union Association: $10
Whitefish Credit Union Association: $10
U.S. median: no median
Non-Network ATM
Whitefish Credit Union Association: $2.50
Whitefish Credit Union Association: $2.50
U.S. median: no median
Wire Transfer (Domestic Out)
Whitefish Credit Union Association: $20
Whitefish Credit Union Association: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Mar 17, 2026View sources

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

Account Maintenance

Closed Account Fee (Within 6 months)$10
Escheatment Fee$35
Research Fee (One hour minimum)$30
Returned Mail Fee$5

Overdraft & NSF

Nonsufficient Funds - NSF (when items are rejected)$10

ATM & Card

Foreign ATM Fee (Non-CO-OP ATM)$2.50
Debit Card Replacement Fee (1 Free)$5
Debit Card Rush Fee$54
per item
Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfers (Outgoing)$20

Check Services

Money Order Stop Pay$10
Money Orders$3
per item
Stop Payment/Check Reissue$20
per item
Collection Items (Incoming)$25
Check Copy$3

Cash & Deposit

Foreign Return Deposit Items$50
Return Deposit Items$10

Account Services

Box Drilling (Minimum)$175
Not compared: Box drilling or key fee
Safe Deposit Box 10" x 10"$40
Safe Deposit Box 3" x 10"$25
Safe Deposit Box 3" x 5"$20
Safe Deposit Box 5" x 10"$30
Legal Processing$35
Not compared: Annual charge, not per item
per year

Lending Fees

Late Fee$25

Retirement & IRA

IRA Excessive Withdrawal$10
IRA Account Closure$10

Fee	Amount	Basis	Note
Account Maintenance
Closed Account Fee (Within 6 months)	$10	Not stated	None
Escheatment Fee	$35	Not stated	None
Research Fee (One hour minimum)	$30	Not stated	None
Returned Mail Fee	$5	Not stated	None
Overdraft & NSF
Nonsufficient Funds - NSF (when items are rejected)	$10	Not stated	None
ATM & Card
Foreign ATM Fee (Non-CO-OP ATM)	$2.50	Not stated	None
Debit Card Replacement Fee (1 Free)	$5	Not stated	None
Debit Card Rush Fee	$54	per item	None
Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers (Outgoing)	$20	Not stated	None
Check Services
Money Order Stop Pay	$10	Not stated	None
Money Orders	$3	per item	None
Stop Payment/Check Reissue	$20	per item	None
Collection Items (Incoming)	$25	Not stated	None
Check Copy	$3	Not stated	None
Cash & Deposit
Foreign Return Deposit Items	$50	Not stated	None
Return Deposit Items	$10	Not stated	None
Account Services
Box Drilling (Minimum)	$175Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10" x 10"	$40	Not stated	None
Safe Deposit Box 3" x 10"	$25	Not stated	None
Safe Deposit Box 3" x 5"	$20	Not stated	None
Safe Deposit Box 5" x 10"	$30	Not stated	None
Legal Processing	$35Not compared: Annual charge, not per item	per year	None
Lending Fees
Late Fee	$25	Not stated	None
Retirement & IRA
IRA Excessive Withdrawal	$10	Not stated	None
IRA Account Closure	$10	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

Mar 17, 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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