Birmingham City Federal Credit Union

Headquarters: Birmingham, Alabama
Charter: Credit Union
Assets: $9.7M
Fed district: Atlanta

17 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.

Overdraft (OD)
Birmingham City Federal Credit Union: $30
Birmingham City Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Birmingham City Federal Credit Union: $30
Birmingham City Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Birmingham City Federal Credit Union: $1
Birmingham City 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 Alabama, the Atlanta 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).
Alabama: Banks and credit unions headquartered in Alabama that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 Birmingham City Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closed Within First 180 Days$25
Account Balancing Assistance/ Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Car Fax Fee$25
per item
Paper Statement$3
Undeliverable Mail (Returned mail/Bad address)$5
per month

Overdraft & NSF

Overdraft Paid$30
per item
Non Sufficient Funds$30
per item
Overdraft Transfer$3
per item

ATM & Card

ATM Withdrawal$1
per item
Replacement Debit Card$10
per item

Wire Transfers

Wire Transfer Outgoing$30
per item
Wire Transfer Incoming$10
per item

Check Services

Corporate Check (payable to 3rd parties)$5
per item
Stop Payment ACH or Draft$35
per item

Cash & Deposit

Returned Deposit Item$30
per item

Account Services

Account Levy$25
per item

Other Fees

Statement Copy$3
per item
Loan Application Fee$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closed Within First 180 Days	$25	Not stated	None
Account Balancing Assistance/ Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Car Fax Fee	$25	per item	None
Paper Statement	$3	Not stated	None
Undeliverable Mail (Returned mail/Bad address)	$5	per month	None
Overdraft & NSF
Overdraft Paid	$30	per item	None
Non Sufficient Funds	$30	per item	None
Overdraft Transfer	$3	per item	None
ATM & Card
ATM Withdrawal	$1	per item	None
Replacement Debit Card	$10	per item	None
Wire Transfers
Wire Transfer Outgoing	$30	per item	None
Wire Transfer Incoming	$10	per item	None
Check Services
Corporate Check (payable to 3rd parties)	$5	per item	None
Stop Payment ACH or Draft	$35	per item	None
Cash & Deposit
Returned Deposit Item	$30	per item	None
Account Services
Account Levy	$25	per item	None
Other Fees
Statement Copy	$3	per item	None
Loan Application Fee	$35	per item	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.

Fee change alerts

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