Point Breeze Federal Credit Union

Headquarters: Hunt Valley, Maryland
Charter: Credit Union
Assets: $1.1B
Fed district: Richmond

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

Source: its fee schedule, read Oct 2, 2026.

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Fees against the market

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

Overdraft (OD)
Point Breeze Federal Credit Union: $31
Point Breeze Federal Credit Union: $31
U.S. median: no median
NSF / Returned Item
Point Breeze Federal Credit Union: $31
Point Breeze Federal Credit Union: $31
U.S. median: no median
Wire Transfer (Domestic Out)
Point Breeze Federal Credit Union: $25
Point Breeze 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 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond 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).
Maryland: Banks and credit unions headquartered in Maryland that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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 Point Breeze Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Checking Inactivity Fee (one year)$1
per month
Maximum Checking Inactivity Fee per year$10
Not compared: Annual charge, not monthly
per year
Account Reconcilement$15
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconcilement $15.00 per hour Coin Machine (Member) NONE
Account Research$25
Not compared: Annual charge, not per item
per year

Overdraft & NSF

Paid Overdraft$31
per item
Returned Items$31
per item

ATM & Card

Plastic Card Replacement$7.50
per item

Wire Transfers

Domestic Outgoing Wire Transfer$25
per item
Incoming Wire Transfer$10
per item

Check Services

Official Check: One free per day, then$5
per item
Stop Payment Request$29
per item
Non-Member Check Cashing Fee$5
Copy of Check: 2 free per year, then$3
per item

Digital & Electronic

Same Day ACH Fee$1
Online Bill Pay ServiceNo charge

Cash & Deposit

Coin Machine (Member)No charge

Account Services

Levy/Garnishment$100

Other Fees

Copy of Statement$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Checking Inactivity Fee (one year)	$1	per month	None
Maximum Checking Inactivity Fee per year	$10Not compared: Annual charge, not monthly	per year	None
Account Reconcilement	$15Not compared: Charged per hour; comparison unavailable	per hour	Account Reconcilement $15.00 per hour Coin Machine (Member) NONE
Account Research	$25Not compared: Annual charge, not per item	per year	None
Overdraft & NSF
Paid Overdraft	$31	per item	None
Returned Items	$31	per item	None
ATM & Card
Plastic Card Replacement	$7.50	per item	None
Wire Transfers
Domestic Outgoing Wire Transfer	$25	per item	None
Incoming Wire Transfer	$10	per item	None
Check Services
Official Check: One free per day, then	$5	per item	None
Stop Payment Request	$29	per item	None
Non-Member Check Cashing Fee	$5	Not stated	None
Copy of Check: 2 free per year, then	$3	per item	None
Digital & Electronic
Same Day ACH Fee	$1	Not stated	None
Online Bill Pay Service	No charge	Not stated	None
Cash & Deposit
Coin Machine (Member)	No charge	Not stated	None
Account Services
Levy/Garnishment	$100	Not stated	None
Other Fees
Copy of Statement	$5	per item	None

Correct a fee source

Oct 2, 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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