16 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 18, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Essential Checking $2 · Epic Checking $5
Compared at $3.50, the middle of its prices
Overdraft (OD)
Compared at $25, its standard fee, the highest of its prices
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 Washington, the San Francisco 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.
Industrial Credit Union of Whatcom County · $392M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Industrial Credit Union of Whatcom County(this institution) | Bellingham, WA | $392M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Abri Federal Credit Union | Romeoville, IL | $381M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alltru Federal Credit Union | Wentzville, MO | $401M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ancorum Federal Credit Union | Bath, ME | $402M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Arsenal Federal Credit Union | Arnold, MO | $387M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Avenir Financial Federal Credit Union | Yuma, AZ | $401M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Beacon Credit Union, Incorporated | Lynchburg, VA | $392M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cascade Federal Credit Union | Kent, WA | $393M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Case Federal Credit Union | Lansing, MI | $400M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cy-Fair Federal Credit Union | Houston, TX | $383M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fort Financial Federal Credit Union | Fort Wayne, IN | $397M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fort Sill Federal Credit Union | Lawton, OK | $394M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fremont Federal Credit Union | Fremont, OH | $391M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Houston Texas Fire Fighters Federal Credit Union | Houston, TX | $401M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ignite Federal Credit Union | Battle Creek, MI | $380M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mutual Security Federal Credit Union | Shelton, CT | $385M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ocean Financial Federal Credit Union | Oceanside, NY | $403M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Partnership Financial Federal Credit Union | Morton Grove, IL | $403M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Premier Federal Credit Union | Des Moines, IA | $383M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Prospera Federal Credit Union | Appleton, WI | $379M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| San Antonio Citizens Federal Credit Union | San Antonio, FL | $400M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Signet Federal Credit Union | Paducah, KY | $398M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tba Federal Credit Union | Traverse City, MI | $390M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Ten Federal Credit Union | Nashville, TN | $392M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wauna Federal Credit Union | Clatskanie, OR | $398M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Wepco Federal Credit Union | Bloomington, MD | $399M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $3.50, the middle of its two prices, against a peer median of $5.95 among 17 publishing peers.
Its two checking prices are $2 and $5.
$3.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Amounts from Industrial Cu Of Whatcom County Federal Credit Union’s own schedules, with a source for each figure.
per month
per month · waived with eStatement
per month
per hour
per hour
per month
per month
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Epic Checking Monthly service charge | $5 | per month | None |
| Essential Checking Monthly service charge | $2 | per month | waived with eStatement |
| Dormant/Inactive Account Fee | $5 | per month | None |
| Account Reconciliation | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research Trip Fee | $25 | Not stated | None |
| Bad Address Fee | $5 | per month | None |
| Returned Statement Fee | $5 | per month | None |
Overdraft & NSF | |||
| Courtesy Pay Overdraft ACH transactions, checks, in‐branch transactions, online Bill Payer items, and Online Banking tra | $25 | per item | None |
| Courtesy Pay Overdraft ATM, everyday debit card transactions, and recurring debit card transactions | $15 | per item | None |
| Non-Sufficient Funds Returned Check Fee | $25 | Not stated | None |
| Returned Check – Self | $25 | per item | None |
| Overdraft Transfer | $1 | per item | None |
ATM & Card | |||
| International Transaction Fee | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire, Domestic | $10 | per item | None |
| Wire, International in Foreign Currency | $20 | per item | None |
| Wire, International in U.S. Dollars | $40 | per item | None |
Check Services | |||
| Cashiers Check | $1 | per item | None |
| Stop Payment | $15 | per item | None |
| Canceled Check Copy | $1 | per item | None |
Digital & Electronic | |||
| ACH Returned Item Fee | $10 | per item | None |
| Online Bill Payer | $5 | per month | None |
Other Fees | |||
| Statement Copy Fee | $5 | per item | None |
| Loan Payment by Debit Card, Self-Service | $6 | per item | None |
| Loan Payment by Debit Card, Via Live Agent | $10 | per item | None |
Oct 18, 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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