Monterra Federal Credit Union

Headquarters: Redwood City, California
Charter: Credit Union
Assets: $1.9B
Fed district: San Francisco

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

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

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Fees against the market

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

Monthly Maintenance
New Start Checking
Can be waived with a balance of $500 or more.
Monterra Federal Credit Union: $10
Monterra Federal Credit Union: $10
U.S. median: no median
NSF / Returned Item
Monterra Federal Credit Union: $14
Monterra Federal Credit Union: $14
U.S. median: no median
Non-Network ATM
Monterra Federal Credit Union: $2
Monterra Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

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

Account Maintenance

New Start Checking Monthly service charge$10
per month
Dormancy Charge$5
per month
Invalid Address (failure to notify of address change)$5
per item
Research & Reconciliation of Account$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Fondos insuficientes (NSF) por presentación$14
Non-Sufficient Funds (NSF) per presentment (audience not stated, treated as personal)$14
per item

ATM & Card

ATM Withdrawal— Non-Monterra ATM Network$2
Additional/Replacement card$10

Wire Transfers

Fed Wire Transfer: Domestic (Outgoing)$20
Outgoing Domestic Wire TransfersNo charge
Fed Wire Transfer: IncomingNo charge
Fed Wire Transfer: International (Outgoing)$45

Check Services

Cashier’s CheckNo charge
Cashier’s Check$5
Money Order$1.50
Money OrderNo charge
Stop Payment (ACH, Bill Pay, Check, Money Order)$25
Temporary checks–ONE (1) sheet (checking and HELOC accounts only)$4
Check Cashing Charge—Members with a savings account only with less than $150 balance, cashing a non-Monterra check$4
Collection Item (Foreign or domestic)$30

Digital & Electronic

Mobile Deposit Adjustment$4

Cash & Deposit

Returned Deposit Item (RDI)$10

Account Services

Legal Processing (e.g. levy, subpoena, garnishment, etc.)$50
per item
Legal Processing$50
per item

Retirement & IRA

IRA Closure$35

Gift & Prepaid Cards

Visa Gift CardsNo charge

Fee	Amount	Basis	Note
Account Maintenance
New Start Checking Monthly service charge	$10	per month	None
Dormancy Charge	$5	per month	None
Invalid Address (failure to notify of address change)	$5	per item	None
Research & Reconciliation of Account	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Fondos insuficientes (NSF) por presentación	$14	Not stated	None
Non-Sufficient Funds (NSF) per presentment (audience not stated, treated as personal)	$14	per item	None
ATM & Card
ATM Withdrawal— Non-Monterra ATM Network	$2	Not stated	None
Additional/Replacement card	$10	Not stated	None
Wire Transfers
Fed Wire Transfer: Domestic (Outgoing)	$20	Not stated	None
Outgoing Domestic Wire Transfers	No charge	Not stated	None
Fed Wire Transfer: Incoming	No charge	Not stated	None
Fed Wire Transfer: International (Outgoing)	$45	Not stated	None
Check Services
Cashier’s Check	No charge	Not stated	None
Cashier’s Check	$5	Not stated	None
Money Order	$1.50	Not stated	None
Money Order	No charge	Not stated	None
Stop Payment (ACH, Bill Pay, Check, Money Order)	$25	Not stated	None
Temporary checks–ONE (1) sheet (checking and HELOC accounts only)	$4	Not stated	None
Check Cashing Charge—Members with a savings account only with less than $150 balance, cashing a non-Monterra check	$4	Not stated	None
Collection Item (Foreign or domestic)	$30	Not stated	None
Digital & Electronic
Mobile Deposit Adjustment	$4	Not stated	None
Cash & Deposit
Returned Deposit Item (RDI)	$10	Not stated	None
Account Services
Legal Processing (e.g. levy, subpoena, garnishment, etc.)	$50	per item	None
Legal Processing	$50	per item	None
Retirement & IRA
IRA Closure	$35	Not stated	None
Gift & Prepaid Cards
Visa Gift Cards	No charge	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

Feb 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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