Ascentra Federal Credit Union

Headquarters: Bettendorf, Iowa
Charter: Credit Union
Assets: $596.0M
Fed district: Chicago

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

Source: its fee schedule, read Oct 19, 2026.

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Fees against the market

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

Monthly Maintenance
Be The Light Checking Account
Ascentra Federal Credit Union: $5
Ascentra Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Ascentra Federal Credit Union: $29.50
Ascentra Federal Credit Union: $29.50
U.S. median: no median
Non-Network ATM
Ascentra Federal Credit Union: $1
Ascentra 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 19, 2026View sources

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

Account Maintenance

Be The Light Checking Account monthly fee$5
per month
Inactive Account Fee (monthly)$5
per month
Account Research/ Reconciliation (per hour)$30
Not compared: Charged per hour; comparison unavailable
per hour · Account Research/ Reconciliation (per hour) | $30.00
Return Mail Fee (each item)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay Items (each)$29.50
per item
NSF Overdraft Fee (each)$29.50
per item
Overdraft Transfer from shares (not available on FreeBee Checking)$5

ATM & Card

Non-Ascentra ATM Withdrawals/Transfers/Inquiries/Deposits - 5 free per month$1
per item
Replace Lost Card (Savings only Debit, Debit)$10
Rushed Card$30

Wire Transfers

Wire Transfer - Outgoing - Domestic$25
Wire Transfer - Incoming$15
Wire Transfer - Outgoing - Foreign$46.25

Check Services

Cashier's Check - 1 free per day - after that each$2
Not compared: Daily charge, not per item
per day
Stop Payments (Checks & ACH)$29.50
Statement Copy/Cleared Draft Copy (each)$5
per item

Account Services

Notary ServiceNo charge
Safe Deposit Lost Key (1 - 2 keys)$100
Not compared: Box drilling or key fee
Garnishments/Levys$25

Fee	Amount	Basis	Note
Account Maintenance
Be The Light Checking Account monthly fee	$5	per month	None
Inactive Account Fee (monthly)	$5	per month	None
Account Research/ Reconciliation (per hour)	$30Not compared: Charged per hour; comparison unavailable	per hour	Account Research/ Reconciliation (per hour) \| $30.00
Return Mail Fee (each item)	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay Items (each)	$29.50	per item	None
NSF Overdraft Fee (each)	$29.50	per item	None
Overdraft Transfer from shares (not available on FreeBee Checking)	$5	Not stated	None
ATM & Card
Non-Ascentra ATM Withdrawals/Transfers/Inquiries/Deposits - 5 free per month	$1	per item	None
Replace Lost Card (Savings only Debit, Debit)	$10	Not stated	None
Rushed Card	$30	Not stated	None
Wire Transfers
Wire Transfer - Outgoing - Domestic	$25	Not stated	None
Wire Transfer - Incoming	$15	Not stated	None
Wire Transfer - Outgoing - Foreign	$46.25	Not stated	None
Check Services
Cashier's Check - 1 free per day - after that each	$2Not compared: Daily charge, not per item	per day	None
Stop Payments (Checks & ACH)	$29.50	Not stated	None
Statement Copy/Cleared Draft Copy (each)	$5	per item	None
Account Services
Notary Service	No charge	Not stated	None
Safe Deposit Lost Key (1 - 2 keys)	$100Not compared: Box drilling or key fee	Not stated	None
Garnishments/Levys	$25	Not stated	None

Correct a fee source

Oct 19, 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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