Verve, A Credit Union

Headquarters: Oshkosh, Wisconsin
Charter: Credit Union
Assets: $1.6B
Fed district: Chicago

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

Source: its fee schedule, read Oct 12, 2026.

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Fees against the market

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

Monthly Maintenance
Verve Premium Checking $5 · Verve Optimum Checking $15
Compared at $10, the middle of its prices
Verve, A Credit Union: $5 to $15
Verve, A Credit Union: $5 to $15
U.S. median: no median
NSF / Returned Item
Verve, A Credit Union: $32
Verve, A Credit Union: $32
U.S. median: no median
Non-Network ATM
Verve, A Credit Union: $1
Verve, A Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 2026View sources

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

Account Maintenance

Verve Optimum Checking Monthly Service Fee$15
per month
Verve Premium Checking Monthly Service Fee$5
per month · Waived with $2,000 or more in combined account average daily balance OR Verve credit card holder
Membership Closed within 90 Days$25
Monthly Dormant Account$5
per month
Hourly Research or Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Monthly Paper Statement$2
per month

Overdraft & NSF

Non-Sufficient Funds / Courtesy Pay$32
Negative Balance Fee$5
Overdraft Transfer$10

ATM & Card

Foreign ATM Withdrawal Fee$1
Debit Card Replacement Fee$10
Currency conversion (audience not stated, treated as personal)1%of the transaction
per transaction

Wire Transfers

Outgoing Wire Transfer (Domestic)$25

Check Services

Official Check$2
ACH Stop Payment$15
Stop Payment – Branch / Online / By Phone$15
Zelle Stop Payment$15
Non-Member On-Us Check Cashing$5
Collection Item$32
Check Copy$5

Digital & Electronic

Rush Bill Payments Varies: Payment by Phone$25

Account Services

Legal Process / Judgment$50

Other Fees

Bill Pay Photocopy$10
Duplicate Statement / History$2
Duplicate Tax Statement$5

Fee	Amount	Basis	Note
Account Maintenance
Verve Optimum Checking Monthly Service Fee	$15	per month	None
Verve Premium Checking Monthly Service Fee	$5	per month	Waived with $2,000 or more in combined account average daily balance OR Verve credit card holder
Membership Closed within 90 Days	$25	Not stated	None
Monthly Dormant Account	$5	per month	None
Hourly Research or Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly Paper Statement	$2	per month	None
Overdraft & NSF
Non-Sufficient Funds / Courtesy Pay	$32	Not stated	None
Negative Balance Fee	$5	Not stated	None
Overdraft Transfer	$10	Not stated	None
ATM & Card
Foreign ATM Withdrawal Fee	$1	Not stated	None
Debit Card Replacement Fee	$10	Not stated	None
Currency conversion (audience not stated, treated as personal)	1%of the transaction	per transaction	None
Wire Transfers
Outgoing Wire Transfer (Domestic)	$25	Not stated	None
Check Services
Official Check	$2	Not stated	None
ACH Stop Payment	$15	Not stated	None
Stop Payment – Branch / Online / By Phone	$15	Not stated	None
Zelle Stop Payment	$15	Not stated	None
Non-Member On-Us Check Cashing	$5	Not stated	None
Collection Item	$32	Not stated	None
Check Copy	$5	Not stated	None
Digital & Electronic
Rush Bill Payments Varies: Payment by Phone	$25	Not stated	None
Account Services
Legal Process / Judgment	$50	Not stated	None
Other Fees
Bill Pay Photocopy	$10	Not stated	None
Duplicate Statement / History	$2	Not stated	None
Duplicate Tax Statement	$5	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 12, 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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