Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Natco Federal Credit Union

Richmond, IndianaCredit UnionChicago Fed districtFees collected Oct 8, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Money Market Account Minimum Balance Fee$10Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Overdraft Courtesy Pay Fee$25Within the typical range ($25–$33 nationally)
$5 below the national median$5 below the Indiana median
per item · Source
ACH NSF Fee$25Within the typical range ($25–$32 nationally)
$5 below the national median$5 below the Indiana median
per item · Source
Debit Card NSF Fee$25Within the typical range ($25–$32 nationally)
$5 below the national median$5 below the Indiana median
per transaction · Source

Check ServicesVerified

Counter Check Fee (3 checks per sheet)$5Above the typical range ($1–$4 nationally)
$3 above the national median$3.37 above the Indiana median
per item · Source
Foreign Item Processing Fee$30Above the typical range ($10–$25 nationally)
$10 above the national median$5 above the Indiana median
per item · Source

Digital & ElectronicVerified

One-Time ACH Origination Set-Up Fee$3Below the typical range ($5–$20 nationally)
$7 below the national median$7 below the Indiana median
per item · Source
Online Bill Pay Service$0Within the typical range ($0–$9.95 nationally)
$2.50 below the national medianAt the Indiana median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Money Market Account Minimum Balance Fee	$10Within the typical range ($5–$10 nationally)	$3 above the national median$5 above the Indiana median	per month	—	Source
Inactive Account Fee	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Indiana median	per month	—	Source
Account Reconciliation Fee	$20Within the typical range ($12–$25 nationally)	$2.50 above the national median$2 above the Indiana median	—	—	Source
Bad Address/Returned Mail Fee	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$13 below the Indiana median	per item	—	Source
Overdraft & NSFVerified
Overdraft Courtesy Pay Fee	$25Within the typical range ($25–$33 nationally)	$5 below the national median$5 below the Indiana median	per item	—	Source
ACH NSF Fee	$25
Wire TransfersVerified
Wire Transfer Fee (outgoing): Domestic	$20Within the typical range ($20–$25 nationally)	$5 below the national medianAt the Indiana median	—	—	Source
Check ServicesVerified
Counter Check Fee (3 checks per sheet)	$5Above the typical range ($1–$4 nationally)	$3 above the national median$3.37 above the Indiana median	per item	—	Source
Foreign Item Processing Fee	$30
Digital & ElectronicVerified
One-Time ACH Origination Set-Up Fee	$3Below the typical range ($5–$20 nationally)	$7 below the national median$7 below the Indiana median	per item	—	Source
Online Bill Pay Service	$0
Account ServicesVerified
Court Order/Levy/Garnishment Fee	$20Below the typical range ($30–$90 nationally)	$30 below the national median$5 below the Indiana median	—	—	Source
Retirement & IRAVerified
IRA Transfer Fee	$25Within the typical range ($25–$35 nationally)	At the national medianAt the Indiana median	—	—	Source
Other FeesVerified
Statement Copy Fee	$2Within the typical range ($2–$5 nationally)	$1 below the national median$1 below the Indiana median	—	—	Source

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

17% below the national median overdraft fee

15 verified fees collected

Headline fees published

4 of 15

Published fees

Under review

Assets

$153.7M

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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

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 65,787 published fee entries from 3,612 institutions

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Published fees

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How the headline fees compare

Size and fee revenue

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings