14 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 4, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Compared at $10, the middle of its prices
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from Access Community Federal Credit Union’s own schedules, with a source for each figure.
per hour · Account Balancing Assistance | $20.00 per hour, minimum one-half hour
per hour · Account Research | $20.00 per hour, minimum one-half hour
per month
per page · Photocopy | $2.50 per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Balancing Assistance | $20Not compared: Charged per hour; comparison unavailable | per hour | Account Balancing Assistance | $20.00 per hour, minimum one-half hour |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | Account Research | $20.00 per hour, minimum one-half hour |
| Excess Withdrawal Fee (7th and subsequent each month) | $10Not compared: Monthly charge, not per item | per month | None |
| Return Statement Fee (bad address) | $5 | Not stated | None |
Overdraft & NSF | |||
| Overdraft – Each Debit or Check Paid | $15 | per item | None |
| Nonsufficient Funds Item | $15 | per item | None |
| Pay by Phone NSF Fee | $5 | Not stated | None |
ATM & Card | |||
| Replace Lost Debit Card | $5 | Not stated | None |
Wire Transfers | |||
| Wire Transfer: Outgoing (inside U.S.) | $20 | Not stated | None |
| Wire Transfer: Incoming | $5 | Not stated | None |
Check Services | |||
| Issuance of a Teller Check Payable to a Third Party | $3 | Not stated | None |
| Stop Payment – All Items (including teller checks) | $22 | Not stated | None |
| Check Cashing Fee | $3 | Not stated | None |
| Collection Item (incoming or outgoing drafts) | $3 | Not stated | None |
| Copy of Check (in excess of three per monthly statement cycle) | $2.50Not compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Coin Counting (audience not stated, treated as personal) | 5% | Not stated | None |
| Coin Counting | 5% | Not stated | None |
| Deposited Checks (and other items) Returned Unpaid | $10 | Not stated | None |
Account Services | |||
| Safe Deposit Box Drill/Replace Lock Fee (depends on locksmith rate) | $350Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Lost Key Fee | $25Not compared: Box drilling or key fee | Not stated | None |
| Garnishment | $50 | Not stated | None |
| Legal Process Fee (subject to state law) | $20 | Not stated | None |
| Verification of Deposit (fee to member) | $5 | Not stated | None |
Other Fees | |||
| Photocopy | $2.50Not compared: Charged per page; comparison unavailable | per page | Photocopy | $2.50 per page |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 4, 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.
Fee change alerts
We check once a day and send one email covering every change.