Journey Federal Credit Union

Headquarters: Des Moines, Iowa
Charter: Credit Union
Assets: $97.6M
Fed district: Chicago

20 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
Journey Federal Credit Union: $5
Journey Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Journey Federal Credit Union: $25
Journey Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Journey Federal Credit Union: $25
Journey Federal Credit Union: $25
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 Journey Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Fee$5
per month
Inactive Account Fee$5
per month
Account Reconciliation Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Undeliverable Statement Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

ODP (Overdraft Protection)$25
per item
Returned Item/NSF Item$25
per item
Overdraft Transfer From Other Account Fee$2
per item
Overdraft Protection Daily Cap (audience not stated, treated as personal)$100
per day

ATM & Card

Non-proprietary ATM Withdrawal or Transfer Fee$0.75
ATM/Debit Card Replacement Fee$10
per item

Wire Transfers

Wire Transfer (outgoing) Fee$20
per item
Wire Transfer (incoming) Fee$5
per item
International Wire Transfer Fee$40
per item

Check Services

Cashier's Check Made Payable to Other Than Member Fee$3
per item
Converting a member check to a non-member cashiers check$5
per item
Money Order$1.50
per item
Cashier's Check Stop Payment Fee (lost or stolen)$15
per item
Stop Payment$25
per item
Non-Member Check Cashing Fee$15
per item
Check Copy Fee$4
per item

Cash & Deposit

Deposited Item Return Fee$7
per item

Account Services

Legal Process Fee$25
per item
Mortgage Subordination Fee$35

Other Fees

Deposited Item Copy Fee$4
per item
Statement Copy Fee$5
per item
Small Dollar Loan Application Fee$20

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$5	per month	None
Inactive Account Fee	$5	per month	None
Account Reconciliation Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Undeliverable Statement Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
ODP (Overdraft Protection)	$25	per item	None
Returned Item/NSF Item	$25	per item	None
Overdraft Transfer From Other Account Fee	$2	per item	None
Overdraft Protection Daily Cap (audience not stated, treated as personal)	$100	per day	None
ATM & Card
Non-proprietary ATM Withdrawal or Transfer Fee	$0.75	Not stated	None
ATM/Debit Card Replacement Fee	$10	per item	None
Wire Transfers
Wire Transfer (outgoing) Fee	$20	per item	None
Wire Transfer (incoming) Fee	$5	per item	None
International Wire Transfer Fee	$40	per item	None
Check Services
Cashier's Check Made Payable to Other Than Member Fee	$3	per item	None
Converting a member check to a non-member cashiers check	$5	per item	None
Money Order	$1.50	per item	None
Cashier's Check Stop Payment Fee (lost or stolen)	$15	per item	None
Stop Payment	$25	per item	None
Non-Member Check Cashing Fee	$15	per item	None
Check Copy Fee	$4	per item	None
Cash & Deposit
Deposited Item Return Fee	$7	per item	None
Account Services
Legal Process Fee	$25	per item	None
Mortgage Subordination Fee	$35	Not stated	None
Other Fees
Deposited Item Copy Fee	$4	per item	None
Statement Copy Fee	$5	per item	None
Small Dollar Loan Application Fee	$20	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

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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