Together Federal Credit Union

Headquarters: Saint Louis, Missouri
Charter: Credit Union
Assets: $2.7B
Fed district: St. Louis

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

Source: its fee schedule, read Oct 9, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Compared at $25, its standard fee, the highest of its prices
Together Federal Credit Union: $14 to $25
Together Federal Credit Union: $14 to $25
U.S. median: no median
NSF / Returned Item
Compared at $14, the middle of its prices
Together Federal Credit Union: $10 to $25
Together Federal Credit Union: $10 to $25
U.S. median: no median
Non-Network ATM
Together Federal Credit Union: $2
Together Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Missouri, 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).
Missouri: Banks and credit unions headquartered in Missouri 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.

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Published fee schedule

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

Account Maintenance

Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft check, ACH$25
per item
Overdraft check, ACH or debit card item (California) 1$14
per item
Overdraft check, ACH, or debit card item$25
per item
Fee is charged when there are 24 consecutive: Returned NSF/UCF check or ACH item (California)$14
per item
Positive Pay for NSF/UCF check or ACH item$10
per item
Returned NSF/UCF check or ACH item$25
per item
Overdraft transfer from savings/checking/line of creditNo charge

ATM & Card

Inquiry at non CO-OP ATMs$2
per item
Plastic card replacement$5
per item

Wire Transfers

Outgoing bank wire, domestic$30
per item
Outgoing bank wire, international$50
per item

Check Services

Cashier’s Check$8
per item
Money Order$5
per item
Stop payment on check or ACH item$29
per item
Collection Item Foreign and USD$17
per item

Digital & Electronic

Account Administration: Bill Pay (mobile/online Overnight Check)5/6$25
Not compared: Per-item charge, not monthly
per item
Bill Pay (mobile/online Expedited Electronic)5/6$5
Not compared: Per-item charge, not monthly
per item
Bill Pay (mobile/online Standard)No charge

Cash & Deposit

Coin machine (audience not stated, treated as personal)9%

Account Services

Member notary serviceNo charge
Safe Deposit Box 15x15$120
per year
Size 10x10$90
per year
Size 15x32$240
per year
Size 3x10$40
per year
Size 3x5$25
per year
Size 5x10$60
per year
Size10x16$100
per year

Retirement & IRA

IRA Transfer (External)$30
per item

Gift & Prepaid Cards

Visa Gift Card®$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft check, ACH	$25	per item	None
Overdraft check, ACH or debit card item (California) 1	$14	per item	None
Overdraft check, ACH, or debit card item	$25	per item	None
Fee is charged when there are 24 consecutive: Returned NSF/UCF check or ACH item (California)	$14	per item	None
Positive Pay for NSF/UCF check or ACH item	$10	per item	None
Returned NSF/UCF check or ACH item	$25	per item	None
Overdraft transfer from savings/checking/line of credit	No charge	Not stated	None
ATM & Card
Inquiry at non CO-OP ATMs	$2	per item	None
Plastic card replacement	$5	per item	None
Wire Transfers
Outgoing bank wire, domestic	$30	per item	None
Outgoing bank wire, international	$50	per item	None
Check Services
Cashier’s Check	$8	per item	None
Money Order	$5	per item	None
Stop payment on check or ACH item	$29	per item	None
Collection Item Foreign and USD	$17	per item	None
Digital & Electronic
Account Administration: Bill Pay (mobile/online Overnight Check)5/6	$25Not compared: Per-item charge, not monthly	per item	None
Bill Pay (mobile/online Expedited Electronic)5/6	$5Not compared: Per-item charge, not monthly	per item	None
Bill Pay (mobile/online Standard)	No charge	Not stated	None
Cash & Deposit
Coin machine (audience not stated, treated as personal)	9%	Not stated	None
Account Services
Member notary service	No charge	Not stated	None
Safe Deposit Box 15x15	$120	per year	None
Size 10x10	$90	per year	None
Size 15x32	$240	per year	None
Size 3x10	$40	per year	None
Size 3x5	$25	per year	None
Size 5x10	$60	per year	None
Size10x16	$100	per year	None
Retirement & IRA
IRA Transfer (External)	$30	per item	None
Gift & Prepaid Cards
Visa Gift Card®	$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

Oct 9, 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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