Middletown Area Schools Federal Credit Union Fees: NSF $42 (2026)

Overdraft & NSFVerified

NSF Fee on ATM/Debit Card……$42Above the typical range ($25–$31 nationally)
$12 above the national median
per item · Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=nsf; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="NSF Fee on ATM/Debit Card……..$42.00 per item" · Source
NSF Fee……$38Above the typical range ($25–$31 nationally)
$8 above the national median
per item · Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=nsf; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="NSF Fee……..$38.00 per item" · Source

ATM & CardVerified

ATM Withdrawal……$1.50Within the typical range ($1–$2.50 nationally)
At the national median
per transaction · Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=atm_non_network; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="ATM Withdrawal……..$1.50 per transaction" · Source
Lost/Stolen Card Replacement……$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=card_replacement; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Lost/Stolen Card Replacement……..$10.00" · Source

Wire TransfersVerified

Wire Transfer$25Within the typical range ($20–$25 nationally)
$2.50 above the national median
Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=wire_domestic_outgoing; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Wire Transfer – $25.00 per outgoing wire" · Source
Wire Transfer$10Within the typical range ($5–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=wire_domestic_incoming; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Wire Transfer – $10.00 per incoming wire" · Source

Check ServicesVerified

ACH Stop Payment……$50Above the typical range ($20–$30 nationally)
$23 above the national median
per item · Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=stop_payment; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="ACH Stop Payment……..$50.00 per item" · Source
Check cashing with account balance of <$100Above the typical range ($5–$10 nationally)
$95 above the national median
per item · Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=check_cashing; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Check cashing with account balance of <$100……..$9.00 per check" · Source
Money order……$4Above the typical range ($2–$3.50 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=money_order; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Money order……..$4.00 each" · Source
Non-Member check cashing……$9Within the typical range ($5–$10 nationally)
$4 above the national median
per item · Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=check_cashing; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Non-Member check cashing……..$9.00 per check" · Source
Official check……$4Within the typical range ($3–$5.50 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=cashiers_check; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Official check……..$4.00 each" · Source
Stop Payment on Share Draft……$42Above the typical range ($20–$30 nationally)
$15 above the national median
per item · Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=stop_payment; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Stop Payment on Share Draft……..$42.00 per item" · Source

Cash & DepositVerified

Member requests account to OD/cash advance when ACH credit is pending within 24 hours (at credit union discretion)……$50Above the typical range ($3.38–$10 nationally)
$45 above the national median
Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=cash_advance; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Member requests account to OD/cash advance when ACH credit is pending within 24 hours (at credit union discretion)……..$50.00" · Source
Returned Deposit Item……$42Above the typical range ($9–$25 nationally)
$27 above the national median
Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=deposited_item_return; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Returned Deposit Item……..$42.00" · Source

Account ServicesVerified

Drilling Fee……$165Above the typical range ($25–$75 nationally)
$122.50 above the national median
Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=safe_deposit_box; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Drilling Fee……..$165.00" · Source
Garnishment, levies, support payments……$20Below the typical range ($30–$75 nationally)
$30 below the national median
Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=garnishment_levy; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Garnishment, levies, support payments……..$20.00" · Source
Key Replacement……$25Within the typical range ($25–$75 nationally)
$17.50 below the national median
Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=safe_deposit_box; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Key Replacement……..$25.00" · Source

Lending FeesVerified

Refinance CU loan fee……$5Below the typical range ($25–$50 nationally)
$30 below the national median
Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=loan_origination; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Refinance CU loan fee……..$5.00 per loan in addition to the Loan Processing Fee" · Source
Skip-A-Pay……$50Above the typical range ($15–$25 nationally)
$27.50 above the national median
Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=late_payment; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Skip-A-Pay……..$50.00 per loan" · Source

Other FeesVerified

Copy of statement……$3Within the typical range ($2–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=document_reproduction; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Copy of statement……..$3.00" · Source
Loan Application Processing Fee……$100Above the typical range ($20–$40 nationally)
$70 above the national median
Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=other_lending_fee; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Loan Application Processing Fee……..$100.00 for signature, $125.00 for Auto" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Acct. reconciliation……	$30Above the typical range ($17.50–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=account_research; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Acct. reconciliation……..$30.00 per hour"	Source
New membership closed within 90 days	$5Below the typical range ($10–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=early_closure; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="New membership closed within 90 days, $5.00 deposit not refunded"	Source
Overdraft & NSFVerified
NSF Fee on ATM/Debit Card……	$42Above the typical range ($25–$31 nationally)	$12 above the national median	per item	Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=nsf; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="NSF Fee on ATM/Debit Card……..$42.00 per item"	Source
NSF Fee……	$38
ATM & CardVerified
ATM Withdrawal……	$1.50Within the typical range ($1–$2.50 nationally)	At the national median	per transaction	Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=atm_non_network; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="ATM Withdrawal……..$1.50 per transaction"	Source
Lost/Stolen Card Replacement……	$10
Wire TransfersVerified
Wire Transfer	$25Within the typical range ($20–$25 nationally)	$2.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=wire_domestic_outgoing; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Wire Transfer – $25.00 per outgoing wire"	Source
Wire Transfer
Check ServicesVerified
ACH Stop Payment……	$50Above the typical range ($20–$30 nationally)	$23 above the national median	per item	Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=stop_payment; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="ACH Stop Payment……..$50.00 per item"	Source
Check cashing with account balance of <
Cash & DepositVerified
Member requests account to OD/cash advance when ACH credit is pending within 24 hours (at credit union discretion)……	$50Above the typical range ($3.38–$10 nationally)	$45 above the national median	—	Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=cash_advance; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Member requests account to OD/cash advance when ACH credit is pending within 24 hours (at credit union discretion)……..$50.00"	Source
Account ServicesVerified
Drilling Fee……	$165Above the typical range ($25–$75 nationally)	$122.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=safe_deposit_box; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Drilling Fee……..$165.00"	Source
Garnishment, levies, support payments……
Lending FeesVerified
Refinance CU loan fee……	$5Below the typical range ($25–$50 nationally)	$30 below the national median	—	Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=loan_origination; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Refinance CU loan fee……..$5.00 per loan in addition to the Loan Processing Fee"	Source
Skip-A-Pay……
Other FeesVerified
Copy of statement……	$3Within the typical range ($2–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4918. canonical_hint=document_reproduction; text_hash=a26150025c37f9efbceb38cb1146af189135bb4fb3b6e4e96b5d136bd0de11ab; excerpt="Copy of statement……..$3.00"	Source
Loan Application Processing Fee……	$100

Middletown Area Schools Federal Credit Union

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How the headline fees compare

Size and fee revenue

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings