Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Natco Federal Credit Union

Richmond, IndianaCredit UnionChicago Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Reconciliation Fee$20Within the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=account_research; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="Account Reconciliation Fee / $20.00 per hour ($10 minimum)" · Source

Inactive Account Fee$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=dormant_account; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="Inactive Account Fee / $5.00 per month after 12 months of inactivity" · Source

Money Market Account Minimum Balance Fee$10

$4 above the national median

per month · Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=minimum_balance; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="Money Market Account Minimum Balance Fee / $10.00 per month" · Source

Overdraft & NSFVerified

ACH NSF Fee$25Within the typical range ($25–$32 nationally)
$4 below the national median
per item · Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=nsf; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="ACH NSF Fee / $25.00 per presentment" · Source
Debit Card NSF Fee$25Within the typical range ($25–$32 nationally)
$4 below the national median
per transaction · Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=nsf; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="Debit Card NSF Fee / $25.00 per transaction" · Source
Overdraft Courtesy Pay Fee$25Within the typical range ($20–$30 nationally)
$3 below the national median
per item · Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=overdraft; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="Overdraft Courtesy Pay Fee / $25.00 per presentment**" · Source

Wire TransfersVerified

Wire Transfer Fee (outgoing): Domestic$20Within the typical range ($20–$25 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=wire_domestic_outgoing; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="Domestic $20.00" · Source

Check ServicesVerified

Counter Check Fee (3 checks per sheet)$5Above the typical range ($1–$4 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=counter_check; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="Counter Check Fee (3 checks per sheet) / $5.00 per sheet" · Source

Digital & ElectronicVerified

One-Time ACH Origination Set-Up Fee$3Below the typical range ($5–$20 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=ach_origination; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="One-Time ACH Origination Set-Up Fee / $3.00 per transfer" · Source
Online Bill Pay Service$0Within the typical range ($0–$12.50 nationally)
$5 below the national median
Knox read a free fee from Rosetta artifact #1454. canonical_hint=bill_pay; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="Online Bill Pay Service / No Charge" · Source

Account ServicesVerified

Court Order/Levy/Garnishment Fee$20Below the typical range ($25–$75 nationally)
$30 below the national median
Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=garnishment_levy; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="Court Order/Levy/Garnishment Fee / $20.00" · Source

Retirement & IRAVerified

IRA Transfer Fee$25Within the typical range ($25–$40 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=ira_termination; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="IRA Transfer Fee / $25.00*" · Source

Other FeesVerified

Statement Copy Fee$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=document_reproduction; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="Statement Copy Fee / $2.00 per statement" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation Fee	$20Within the typical range ($15–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=account_research; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="Account Reconciliation Fee / $20.00 per hour ($10 minimum)"	Source
Inactive Account Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=dormant_account; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="Inactive Account Fee / $5.00 per month after 12 months of inactivity"	Source
Money Market Account Minimum Balance Fee	$10Within the typical range ($5–$12.25 nationally)	$4 above the national median	per month	Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=minimum_balance; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="Money Market Account Minimum Balance Fee / $10.00 per month"	Source
Overdraft & NSFVerified
ACH NSF Fee	$25Within the typical range ($25–$32 nationally)	$4 below the national median	per item	Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=nsf; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="ACH NSF Fee / $25.00 per presentment"	Source
Debit Card NSF Fee	$25
Wire TransfersVerified
Wire Transfer Fee (outgoing): Domestic	$20Within the typical range ($20–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=wire_domestic_outgoing; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="Domestic $20.00"	Source
Check ServicesVerified
Counter Check Fee (3 checks per sheet)	$5Above the typical range ($1–$4 nationally)	$3 above the national median	—	Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=counter_check; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="Counter Check Fee (3 checks per sheet) / $5.00 per sheet"	Source
Digital & ElectronicVerified
One-Time ACH Origination Set-Up Fee	$3Below the typical range ($5–$20 nationally)	$7 below the national median	—	Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=ach_origination; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="One-Time ACH Origination Set-Up Fee / $3.00 per transfer"	Source
Online Bill Pay Service
Account ServicesVerified
Court Order/Levy/Garnishment Fee	$20Below the typical range ($25–$75 nationally)	$30 below the national median	—	Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=garnishment_levy; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="Court Order/Levy/Garnishment Fee / $20.00"	Source
Retirement & IRAVerified
IRA Transfer Fee	$25Within the typical range ($25–$40 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=ira_termination; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="IRA Transfer Fee / $25.00*"	Source
Other FeesVerified
Statement Copy Fee	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #1454. canonical_hint=document_reproduction; text_hash=36f10a178b878271f2b8a694e3ba8fa4fccb3fc164ad5ac2d64244918f667485; excerpt="Statement Copy Fee / $2.00 per statement"	Source

Fee change alerts

Get an email when Natco Federal Credit Union changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Natco Federal Credit Union? Benchmark it against peers, free

Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$25

Overdraft fee: $25

11% below the national median overdraft fee

Total fees: 13 — leaner than most institutions

Verified fees

Under review

Assets

$153.7M

Work at Natco Federal Credit Union? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. free, delivered in 48 hours.

Get your free report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$153.7M

Total deposits

$128.3M

Service charge income (year to date)

$1.1M

Fee income ratio

13.2%

Return on assets

1.47%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

See pricing