Diversified Members Federal Credit Union

Headquarters: Detroit, Michigan
Charter: Credit Union
Assets: $588.5M
Fed district: Chicago

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

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

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

Monthly Maintenance
Account Basics
Diversified Members Federal Credit Union: $10
Diversified Members Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Diversified Members Federal Credit Union: $30
Diversified Members Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Diversified Members Federal Credit Union: $30
Diversified Members Federal Credit Union: $30
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 Diversified Members Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Basics Monthly fee$10
per month
Second Chance Checking Fee (per month)$10
per month
Close Account (if less than 6 months old)$5
Dormant Account (monthly fee after 12 months inactivity)$10
per month
Escheat Account$75
Account Research (per hour)- minimum$30
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail/ Wrong Address (per month)$10
per month

Overdraft & NSF

NSF – Non-Sufficient Funds & Courtesy Pay (per presentment)$30
per item
Withdrawal NSF ATM/Debit PIN (per transaction)$30
per item
Transfer Overdraft from Savings (per transfer)$3
per item

ATM & Card

Foreign ATM transaction fee (outside of CO-OP Network)$2
per item
Replacement Card$10
Debit Card & PIN Rush Overnight (maximum fee amount disclosed however, the fee may be less based on vendor charge)$100
VISA Rush Overnight (Card Only)$55

Wire Transfers

Wire Transfers-Outgoing$25

Check Services

Cashier's Check$3
Stop Payment (per item)$30
per item
Stop Payment in Online Banking$15
Stop/Reissue Cashier's Checks (minimum 90 days after issue)$30
Temporary Checks (free for new accounts/receive 2 sheets or 8 checks)$3
Check Copies (Free through Online Banking)$5

Cash & Deposit

Non-DMCU Credit Card Cash Advance$15
Returned Deposit Item ( if on self-account per presentment, includes electronic items)$30
per item
Returned Deposit Item (per presentment, includes electronic items)$15
per item

Account Services

Notary Service for Non-Members$10
Notary Service-MembersNo charge
Box 10 x 10 (annual)$80
per year
Box 3 x 10 (annual)$40
per year
Box 5 x 10 (annual)$50
per year
Garnishment and levies (processing fee)$75

Lending Fees

Visa Late Payment Charge$25

Gift & Prepaid Cards

Visa Gift Card$4
Visa Gift Card Non-Activity$4.95
Visa Travel Card Reload Fee$3

Other Fees

Account History/Document Copy (per page)-free through Online Banking$1
per item
Fax (per page, domestic only)$1
per item
Photocopies (per page)$1
per item
Statement Copy (free through Online Banking)$3
Loan Payment by Phone Fee$12
Skip-A-Pay/Extension Fee (VISA/Loans)$20

Fee	Amount	Basis	Note
Account Maintenance
Account Basics Monthly fee	$10	per month	None
Second Chance Checking Fee (per month)	$10	per month	None
Close Account (if less than 6 months old)	$5	Not stated	None
Dormant Account (monthly fee after 12 months inactivity)	$10	per month	None
Escheat Account	$75	Not stated	None
Account Research (per hour)- minimum	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail/ Wrong Address (per month)	$10	per month	None
Overdraft & NSF
NSF – Non-Sufficient Funds & Courtesy Pay (per presentment)	$30	per item	None
Withdrawal NSF ATM/Debit PIN (per transaction)	$30	per item	None
Transfer Overdraft from Savings (per transfer)	$3	per item	None
ATM & Card
Foreign ATM transaction fee (outside of CO-OP Network)	$2	per item	None
Replacement Card	$10	Not stated	None
Debit Card & PIN Rush Overnight (maximum fee amount disclosed however, the fee may be less based on vendor charge)	$100	Not stated	None
VISA Rush Overnight (Card Only)	$55	Not stated	None
Wire Transfers
Wire Transfers-Outgoing	$25	Not stated	None
Check Services
Cashier's Check	$3	Not stated	None
Stop Payment (per item)	$30	per item	None
Stop Payment in Online Banking	$15	Not stated	None
Stop/Reissue Cashier's Checks (minimum 90 days after issue)	$30	Not stated	None
Temporary Checks (free for new accounts/receive 2 sheets or 8 checks)	$3	Not stated	None
Check Copies (Free through Online Banking)	$5	Not stated	None
Cash & Deposit
Non-DMCU Credit Card Cash Advance	$15	Not stated	None
Returned Deposit Item ( if on self-account per presentment, includes electronic items)	$30	per item	None
Returned Deposit Item (per presentment, includes electronic items)	$15	per item	None
Account Services
Notary Service for Non-Members	$10	Not stated	None
Notary Service-Members	No charge	Not stated	None
Box 10 x 10 (annual)	$80	per year	None
Box 3 x 10 (annual)	$40	per year	None
Box 5 x 10 (annual)	$50	per year	None
Garnishment and levies (processing fee)	$75	Not stated	None
Lending Fees
Visa Late Payment Charge	$25	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$4	Not stated	None
Visa Gift Card Non-Activity	$4.95	Not stated	None
Visa Travel Card Reload Fee	$3	Not stated	None
Other Fees
Account History/Document Copy (per page)-free through Online Banking	$1	per item	None
Fax (per page, domestic only)	$1	per item	None
Photocopies (per page)	$1	per item	None
Statement Copy (free through Online Banking)	$3	Not stated	None
Loan Payment by Phone Fee	$12	Not stated	None
Skip-A-Pay/Extension Fee (VISA/Loans)	$20	Not stated	None

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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