Provident Federal Credit Union

Headquarters: Redwood City, California
Charter: Credit Union
Assets: $3.6B
Fed district: San Francisco

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

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

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Super Reward Checking $0 · Regular Checking $5
Compared at $2.50, the middle of its prices
Provident Federal Credit Union: $0 to $5
Provident Federal Credit Union: $0 to $5
U.S. median: no median
Overdraft (OD)
Provident Federal Credit Union: $14
Provident Federal Credit Union: $14
U.S. median: no median
NSF / Returned Item
Provident Federal Credit Union: $14
Provident Federal Credit Union: $14
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 California, 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).
California: Banks and credit unions headquartered in California 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 Provident Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Regular Checking Monthly Maintenance Fee (balance below $500)$5
per month
Super Reward Checking Monthly FeeNo charge
per month
Research/Copy of Cleared Bill Payment Check$6
per item

Overdraft & NSF

Courtesy Pay Overdraft Fee08/20$14
Paid Non-Sufficient Funds (NSF) Fee (per check or ACH)$14
per item
Non-Sufficient Funds (NSF) Fee (per presentment)20/18$14
per item

ATM & Card

Replacement Debit Card$10
Express delivery on replacement and/or lost debit card$25

Check Services

Official Check (audience not stated, treated as personal)$5
Money Orders$3
Stop Payment Fee$20
per item
Stop Payment Fee (each) (audience not stated, treated as personal)$20
per item
Check Cashing Fee (non-members only)$5
Duplicate Statement, Check Copy, Tax Document$6
per item

Digital & Electronic

Bill Payments$10

Account Services

Notary Fee (per signature) (audience not stated, treated as personal)$15
per item
Processing of Levies and Garnishments (per item)$25
per item

Retirement & IRA

IRA Transfer Fee$15

Other Fees

Auto Loan Modification Fee$200

Fee	Amount	Basis	Note
Account Maintenance
Regular Checking Monthly Maintenance Fee (balance below $500)	$5	per month	None
Super Reward Checking Monthly Fee	No charge	per month	None
Research/Copy of Cleared Bill Payment Check	$6	per item	None
Overdraft & NSF
Courtesy Pay Overdraft Fee08/20	$14	Not stated	None
Paid Non-Sufficient Funds (NSF) Fee (per check or ACH)	$14	per item	None
Non-Sufficient Funds (NSF) Fee (per presentment)20/18	$14	per item	None
ATM & Card
Replacement Debit Card	$10	Not stated	None
Express delivery on replacement and/or lost debit card	$25	Not stated	None
Check Services
Official Check (audience not stated, treated as personal)	$5	Not stated	None
Money Orders	$3	Not stated	None
Stop Payment Fee	$20	per item	None
Stop Payment Fee (each) (audience not stated, treated as personal)	$20	per item	None
Check Cashing Fee (non-members only)	$5	Not stated	None
Duplicate Statement, Check Copy, Tax Document	$6	per item	None
Digital & Electronic
Bill Payments	$10	Not stated	None
Account Services
Notary Fee (per signature) (audience not stated, treated as personal)	$15	per item	None
Processing of Levies and Garnishments (per item)	$25	per item	None
Retirement & IRA
IRA Transfer Fee	$15	Not stated	None
Other Fees
Auto Loan Modification Fee	$200	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

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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