Industrial Cu Of Whatcom County Federal Credit Union

Headquarters: Bellingham, Washington
Charter: Credit Union
Assets: $391.6M
Fed district: San Francisco

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 18, 2026.

Explore Hamilton View published fees

Fees against the market

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
Industrial Cu Of Whatcom County Federal Credit Union: $2 to $5
Industrial Cu Of Whatcom County Federal Credit Union: $2 to $5
U.S. median: no median
Overdraft (OD)
Compared at $25, its standard fee, the highest of its prices
Industrial Cu Of Whatcom County Federal Credit Union: $15 to $25
Industrial Cu Of Whatcom County Federal Credit Union: $15 to $25
U.S. median: no median
NSF / Returned Item
Industrial Cu Of Whatcom County Federal Credit Union: $25
Industrial Cu Of Whatcom County Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

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.

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).
Washington: Banks and credit unions headquartered in Washington that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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 Industrial Cu Of Whatcom County Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Epic Checking Monthly service charge$5
per month
Essential Checking Monthly service charge$2
per month · waived with eStatement
Dormant/Inactive Account Fee$5
per month
Account Reconciliation$15
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$15
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Trip Fee$25
Bad Address Fee$5
per month
Returned Statement Fee$5
per month

Overdraft & NSF

Courtesy Pay Overdraft ACH transactions, checks, in‐branch transactions, online Bill Payer items, and Online Banking tra$25
per item
Courtesy Pay Overdraft ATM, everyday debit card transactions, and recurring debit card transactions$15
per item
Non-Sufficient Funds Returned Check Fee$25
Returned Check – Self$25
per item
Overdraft Transfer$1
per item

ATM & Card

International Transaction Fee1%of the transaction

Wire Transfers

Wire, Domestic$10
per item
Wire, International in Foreign Currency$20
per item
Wire, International in U.S. Dollars$40
per item

Check Services

Cashiers Check$1
per item
Stop Payment$15
per item
Canceled Check Copy$1
per item

Digital & Electronic

ACH Returned Item Fee$10
per item
Online Bill Payer$5
per month

Other Fees

Statement Copy Fee$5
per item
Loan Payment by Debit Card, Self-Service$6
per item
Loan Payment by Debit Card, Via Live Agent$10
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

Correct a fee source

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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