Service One Federal Credit Union

Headquarters: Bowling Green, Kentucky
Charter: Credit Union
Assets: $269.1M
Fed district: St. Louis

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

Source: its fee schedule, read Nov 1, 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
Choice Plus Checking
Service One Federal Credit Union: $8
Service One Federal Credit Union: $8
U.S. median: no median
NSF / Returned Item
Service One Federal Credit Union: $28.95
Service One Federal Credit Union: $28.95
U.S. median: no median
Non-Network ATM
Service One Federal Credit Union: $3
Service One Federal Credit Union: $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis 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).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Service One Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Choice Plus Checking Monthly Maintenance Fee$8
per month
Dormant Account (no activity for three years)$10
per month
Escheat Processing (audience not stated, treated as personal)$30
Account Research (member requested, non-legal)$20
Not compared: Charged per hour; comparison unavailable
per hour
Monthly Paper Statement on Checking Account (audience not stated, treated as personal)$5
per month
Returned Mail due to Bad Address$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Insufficient Funds Fee (audience not stated, treated as personal)$28.95
Returned Item due to Garnishment (audience not stated, treated as personal)$28.95
per item

ATM & Card

Non-Service One ATM use over eight times per month (audience not stated, treated as personal)$3
per item
Reissue of One Card (audience not stated, treated as personal)$15
per item

Check Services

Conversion of check or collection item to Cashier's Check (audience not stated, treated as personal)$10
per item
Cashier's Check or Money Order$5
per item
Stop Payment (audience not stated, treated as personal)$28.95
per item
Temporary Checks (audience not stated, treated as personal)$10
per item
Non-Member Cashing Check (>$50.00) (audience not stated, treated as personal)$25
per item
Check Copy (audience not stated, treated as personal)$3
per item

Account Services

Signature notarized and recorded (Non-Member only)$25
per item
Attachment or Garnishment (audience not stated, treated as personal)$100
per item
Tax Levy (audience not stated, treated as personal)$20
per item
Legal Review and Processing (subpoenas, POA, guardianship, other)$100
Not compared: Charged per hour; comparison unavailable
per hour · Legal Review and Processing (subpoenas, POA, guardianship, other) | $100.00 per hour plus all costs

Other Fees

Statement Copy (audience not stated, treated as personal)$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Choice Plus Checking Monthly Maintenance Fee	$8	per month	None
Dormant Account (no activity for three years)	$10	per month	None
Escheat Processing (audience not stated, treated as personal)	$30	Not stated	None
Account Research (member requested, non-legal)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly Paper Statement on Checking Account (audience not stated, treated as personal)	$5	per month	None
Returned Mail due to Bad Address	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Insufficient Funds Fee (audience not stated, treated as personal)	$28.95	Not stated	None
Returned Item due to Garnishment (audience not stated, treated as personal)	$28.95	per item	None
ATM & Card
Non-Service One ATM use over eight times per month (audience not stated, treated as personal)	$3	per item	None
Reissue of One Card (audience not stated, treated as personal)	$15	per item	None
Check Services
Conversion of check or collection item to Cashier's Check (audience not stated, treated as personal)	$10	per item	None
Cashier's Check or Money Order	$5	per item	None
Stop Payment (audience not stated, treated as personal)	$28.95	per item	None
Temporary Checks (audience not stated, treated as personal)	$10	per item	None
Non-Member Cashing Check (>$50.00) (audience not stated, treated as personal)	$25	per item	None
Check Copy (audience not stated, treated as personal)	$3	per item	None
Account Services
Signature notarized and recorded (Non-Member only)	$25	per item	None
Attachment or Garnishment (audience not stated, treated as personal)	$100	per item	None
Tax Levy (audience not stated, treated as personal)	$20	per item	None
Legal Review and Processing (subpoenas, POA, guardianship, other)	$100Not compared: Charged per hour; comparison unavailable	per hour	Legal Review and Processing (subpoenas, POA, guardianship, other) \| $100.00 per hour plus all costs
Other Fees
Statement Copy (audience not stated, treated as personal)	$5	per item	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 1, 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.

Fee change alerts

Get an email when Service One Federal Credit Union's nsf / returned item changes in our data

We check once a day and send one email covering every change.