Wheat State Federal Credit Union

Headquarters: Wichita, Kansas
Charter: Credit Union
Assets: $22.1M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

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

Overdraft (OD)
Wheat State Federal Credit Union: $28
Wheat State Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Wheat State Federal Credit Union: $28
Wheat State Federal Credit Union: $28
U.S. median: no median
Non-Network ATM
Wheat State Federal Credit Union: $1
Wheat State Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

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

Account Maintenance

Early Closure Fee$20
Abandoned Account$10
per month
Inactive Account$10
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail/Bad Address$10

Overdraft & NSF

Debit Card Overdraft fee$28
per item
Overdraft fee$28
per item
Insufficient Funds fee$28
per item
Return item$28
per item

ATM & Card

Foreign ATM fee-checking$1
per item
Foreign ATM fee-share account$1
per item
ATM/Debit Card Reissue$5
per item

Wire Transfers

Outgoing Wire Transfer$15
per item

Check Services

Money Order$3
per item
Stop Payment fee$28
per item
Item Sent for Collection$5
Check Copy$2
per item

Cash & Deposit

Deposit Item Returned$10
per item

Account Services

3x5=$10
per year
5x10=$45
per year
Late charge on rental$25
Not compared: Box drilling or key fee
Legal Process$15
per item

Other Fees

Statement Copy$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Closure Fee	$20	Not stated	None
Abandoned Account	$10	per month	None
Inactive Account	$10	per month	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail/Bad Address	$10	Not stated	None
Overdraft & NSF
Debit Card Overdraft fee	$28	per item	None
Overdraft fee	$28	per item	None
Insufficient Funds fee	$28	per item	None
Return item	$28	per item	None
ATM & Card
Foreign ATM fee-checking	$1	per item	None
Foreign ATM fee-share account	$1	per item	None
ATM/Debit Card Reissue	$5	per item	None
Wire Transfers
Outgoing Wire Transfer	$15	per item	None
Check Services
Money Order	$3	per item	None
Stop Payment fee	$28	per item	None
Item Sent for Collection	$5	Not stated	None
Check Copy	$2	per item	None
Cash & Deposit
Deposit Item Returned	$10	per item	None
Account Services
3x5=	$10	per year	None
5x10=	$45	per year	None
Late charge on rental	$25Not compared: Box drilling or key fee	Not stated	None
Legal Process	$15	per item	None
Other Fees
Statement Copy	$2	per item	None

Correct a fee source

Oct 11, 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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