20 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 17, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Charter Checking Account
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Kansas, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from Mid American Federal Credit Union’s own schedules, with a source for each figure.
per month
per hour
per item
per month
per item
per transaction
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Charter Checking Account Monthly service charge | $5 | per month | None |
| Account research, one hour minimum | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Payoff fax fee | $10 | Not stated | None |
| Mailed/paper statement fee | $2 | Not stated | None |
| Monthly excess withdrawal fee (audience not stated, treated as personal) | $3 | per item | None |
| Bad address | $10 | per month | None |
| Return mail, no forwarding address | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Courtesy pay fee | $30 | Not stated | None |
| Insufficient funds for ATM or Debit Card transaction (audience not stated, treated as personal) | $30 | Not stated | None |
| Insufficient funds for ATM transaction | $30 | Not stated | None |
| Daily Overdraft protection transfer fee (audience not stated, treated as personal) | $5Not compared: Daily charge, not per item | per day | None |
ATM & Card | |||
| Additional charge per transaction if ATM transaction is done outside our no-surcharge ATM network (audience not stated, treated as personal) | $2 | per transaction | None |
| Replacement debit card | $5 | Not stated | None |
| Visa replacement card | $5 | Not stated | None |
| Foreign transaction fee (audience not stated, treated as personal) | 0.8%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire transfers (minimum $100): Domestic | $30 | Not stated | None |
Check Services | |||
| Corporate checks | $3 | per item | None |
| Stop payment fee | $30 | Not stated | None |
| Check cashing fee, with no checking or loan accounts or aggregate balance greater than check being cashed | $5 | per item | None |
Digital & Electronic | |||
| Bill Payer (audience not stated, treated as personal) | No charge | Not stated | None |
| Bill Payer (five per month free) (audience not stated, treated as personal) | $0.50 | per month | None |
Cash & Deposit | |||
| Returned deposit item | $10 | Not stated | None |
Account Services | |||
| Lost key | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $75 | Not stated | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $35 | Not stated | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $50 | Not stated | None |
| Garnishment processing fee | $15 | Not stated | None |
Lending Fees | |||
| Late charge (per month) | $10Not compared: Monthly charge, not per item | per month | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $4 | per item | None |
Other Fees | |||
| Interim or duplicate statement | $5 | Not stated | None |
| Mortgage lien release | $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
Oct 17, 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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