Whatcom Educational Federal Credit Union

Headquarters: Bellingham, Washington
Charter: Credit Union
Assets: $3.4B
Fed district: San Francisco

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Monthly Maintenance
Spend Plus Rewards
Whatcom Educational Federal Credit Union: $5
Whatcom Educational Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Whatcom Educational Federal Credit Union: $16
Whatcom Educational Federal Credit Union: $16
U.S. median: no median
NSF / Returned Item
Whatcom Educational Federal Credit Union: $16
Whatcom Educational Federal Credit Union: $16
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 Whatcom Educational Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Fee (Spend Plus Rewards Checking)$5
per month
Checking/Savings Account Closure Fee (due to abuse)$25
Inactive Account Fee$5
per month
Account Research (One hour minimum)$20
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee$5
per month

Overdraft & NSF

Overdraft & Privilege Pay$16
NSF Returned Check Fee (per item)$16
per item
Automatic Overdraft Transfer$2
per item

ATM & Card

Visa Debit/Credit Expedited Order & Special Handling$15

Wire Transfers

Domestic Outgoing Wires$25
Incoming WiresNo charge
International Outgoing Wires$40
per item

Check Services

Cashier’s Check$5
Money Orders$1
Bill Pay ACH Stop PaymentNo charge
Starter Checks$2
per item
Check Copy$2
per item

Digital & Electronic

ACH Return Item Fee (per item)$16
per item
Personal, Cashier’s or Bill Pay checks$25

Account Services

In-person Member Notary ServiceNo charge
Remote Notary Service$25
Levy/Garnishment$75

Lending Fees

Late fee1.5%

Other Fees

Statement Copy$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee (Spend Plus Rewards Checking)	$5	per month	None
Checking/Savings Account Closure Fee (due to abuse)	$25	Not stated	None
Inactive Account Fee	$5	per month	None
Account Research (One hour minimum)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Fee	$5	per month	None
Overdraft & NSF
Overdraft & Privilege Pay	$16	Not stated	None
NSF Returned Check Fee (per item)	$16	per item	None
Automatic Overdraft Transfer	$2	per item	None
ATM & Card
Visa Debit/Credit Expedited Order & Special Handling	$15	Not stated	None
Wire Transfers
Domestic Outgoing Wires	$25	Not stated	None
Incoming Wires	No charge	Not stated	None
International Outgoing Wires	$40	per item	None
Check Services
Cashier’s Check	$5	Not stated	None
Money Orders	$1	Not stated	None
Bill Pay ACH Stop Payment	No charge	Not stated	None
Starter Checks	$2	per item	None
Check Copy	$2	per item	None
Digital & Electronic
ACH Return Item Fee (per item)	$16	per item	None
Personal, Cashier’s or Bill Pay checks	$25	Not stated	None
Account Services
In-person Member Notary Service	No charge	Not stated	None
Remote Notary Service	$25	Not stated	None
Levy/Garnishment	$75	Not stated	None
Lending Fees
Late fee	1.5%	Not stated	None
Other Fees
Statement Copy	$5	per item	None

Correct a fee source

Nov 1, 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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