Summit Federal Credit Union

Headquarters: Greensboro, North Carolina
Charter: Credit Union
Assets: $368.8M
Fed district: Richmond

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

Source: its fee schedule, read Nov 2, 2026.

Explore Hamilton View published fees

Fees against the market

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

NSF / Returned Item
Summit Federal Credit Union: $32
Summit Federal Credit Union: $32
U.S. median: no median
Non-Network ATM
Summit Federal Credit Union: $2
Summit Federal Credit Union: $2
U.S. median: no median
Wire Transfer (Domestic Out)
Summit Federal Credit Union: $20
Summit Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

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

Account Maintenance

Early membership closing (within first 90 days)$10
Inactive membership with total of all balances below, after 12-months$10
Not compared: Quarterly charge, not monthly
per quarter
Excessive research/balancing assistance$15
Not compared: Charged per hour; comparison unavailable
per hour
Excessive withdrawal from Membership and Special Savings account, after 3 per month$3
Returned statement$10
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Non-sufficient funds, check returned$32

ATM & Card

Non-Summit CU ATM transaction, after 5 per month$2
per item
Card replacement, after 1 per calendar year$10
per item
Currency conversion1%of the transaction
International transaction (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire transfer, outgoing domestic$20
Wire transfer, incomingNo charge
Wire transfer, outgoing foreign$45

Check Services

Cashierʼs check, after 1 per day$3
per item
Cashierʼs check, first 1 per day$3
per item
Stop payment$32
Counter check (maximum 8 checks per member)$5
Check cashing$2
per item
Check copies, after 10 per calendar year$3
per item
Check copies, first 10 per calendar year$3
per item

Digital & Electronic

ACH origination (one-time)$10
one time
ACH non-sufficient funds, ACH returned$32

Account Services

Late payment fee (after May 15)$10
Not compared: Box drilling or key fee
Lost key$25
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$80
per year
Safe Deposit Box 3 x 10$40
per year
Safe Deposit Box 3 x 5$25
per year
Safe Deposit Box 5 x 10$50
per year
Tax levy$75
Non-member verification of deposit$10
per item

Lending Fees

Late payment fee (after May 15)$10

Other Fees

Statement copies, after 10 per calendar year$3
per item
Statement copies, first 10 per calendar year$3
per item
Use of fax/copier$0.25
Not compared: Charged per page; comparison unavailable
per page · Use of fax/copier | $0.25 per page
Loan/fee payment by phoneNo charge

Fee	Amount	Basis	Note
Account Maintenance
Early membership closing (within first 90 days)	$10	Not stated	None
Inactive membership with total of all balances below, after 12-months	$10Not compared: Quarterly charge, not monthly	per quarter	None
Excessive research/balancing assistance	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive withdrawal from Membership and Special Savings account, after 3 per month	$3	Not stated	None
Returned statement	$10Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Non-sufficient funds, check returned	$32	Not stated	None
ATM & Card
Non-Summit CU ATM transaction, after 5 per month	$2	per item	None
Card replacement, after 1 per calendar year	$10	per item	None
Currency conversion	1%of the transaction	Not stated	None
International transaction (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire transfer, outgoing domestic	$20	Not stated	None
Wire transfer, incoming	No charge	Not stated	None
Wire transfer, outgoing foreign	$45	Not stated	None
Check Services
Cashierʼs check, after 1 per day	$3	per item	None
Cashierʼs check, first 1 per day	$3	per item	None
Stop payment	$32	Not stated	None
Counter check (maximum 8 checks per member)	$5	Not stated	None
Check cashing	$2	per item	None
Check copies, after 10 per calendar year	$3	per item	None
Check copies, first 10 per calendar year	$3	per item	None
Digital & Electronic
ACH origination (one-time)	$10	one time	None
ACH non-sufficient funds, ACH returned	$32	Not stated	None
Account Services
Late payment fee (after May 15)	$10Not compared: Box drilling or key fee	Not stated	None
Lost key	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$80	per year	None
Safe Deposit Box 3 x 10	$40	per year	None
Safe Deposit Box 3 x 5	$25	per year	None
Safe Deposit Box 5 x 10	$50	per year	None
Tax levy	$75	Not stated	None
Non-member verification of deposit	$10	per item	None
Lending Fees
Late payment fee (after May 15)	$10	Not stated	None
Other Fees
Statement copies, after 10 per calendar year	$3	per item	None
Statement copies, first 10 per calendar year	$3	per item	None
Use of fax/copier	$0.25Not compared: Charged per page; comparison unavailable	per page	Use of fax/copier \| $0.25 per page
Loan/fee payment by phone	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

Nov 2, 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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