26 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 20, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
Compared at $19, the middle of its prices
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis 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 Arsenal Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per year
per hour
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Checking monthly service fee | No charge | per month | None |
| Below minimum balance (Value Checking) | $4 | per month | None |
| Below minimum balance fee (per month) (audience not stated, treated as personal) | No charge | per month | None |
| Inactive account | $10Not compared: Annual charge, not monthly | per year | None |
| Research/document retrieval | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper statement (applies to members 18 years to 64 years of age) | $5 | Not stated | None |
| Paper statements for members age 17 and under and age 65 | No charge | Not stated | None |
| Returned mail (per month) | $5 | per month | None |
Overdraft & NSF | |||
| Courtesy Pay or any overdraft | $28 | per item | None |
| Nonsufficient funds (includes checks, preauthorized ACH withdrawals and online bill pay) | $28 | per item | None |
| Returned ACH payment | $10 | Not stated | None |
| Overdraft transfer (from savings account) | $5 | Not stated | None |
ATM & Card | |||
| Card replacement (audience not stated, treated as personal) | $10 | per item | None |
Wire Transfers | |||
| Domestic wire transfer (Outgoing – Federal Reserve) | $25 | per item | None |
| International wire transfer (Outgoing) International wire transfer (Outgoing to U.S. Military Bases) | $100 | per item | None |
Check Services | |||
| Cashier's check | $5 | per item | None |
| Purchase money orders and cashier's checks | No charge | Not stated | None |
| Purchase money orders and cashier's checks | No charge | Not stated | None |
| Stop Payment – One or more checks, Online Banking, Mobile, Bill Pay and ACH | $30 | Not stated | None |
| Non-member ON US check cashing | $5 | per item | None |
| Collection item (incoming and outgoing) | $25 | Not stated | None |
Digital & Electronic | |||
| Send and receive money with Zelle® | No charge | Not stated | None |
| Uncollected funds (includes checks, preauthorized ACH withdrawals and online bill pay) | $28Not compared: Per-item charge, not monthly | per item | None |
| Mobile Check Deposit | No charge | Not stated | None |
Cash & Deposit | |||
| Cash advance fees (audience not stated, treated as personal) | No charge | Not stated | None |
| Deposit items returned unpaid | $15 | per item | None |
Account Services | |||
| Notary service (non-members) | $2 | per item | None |
| Notary service for members | No charge | Not stated | None |
| 10x10 box rental (audience not stated, treated as personal) | $85 | Not stated | None |
| 3x10 box rental (audience not stated, treated as personal) | $40 | Not stated | None |
| 3x5 box rental (audience not stated, treated as personal) | $25 | Not stated | None |
| 5x10 box rental (audience not stated, treated as personal) | $58 | Not stated | None |
| 5x5 box rental (audience not stated, treated as personal) | $35 | Not stated | None |
| 7x10 box rental (audience not stated, treated as personal) | $70 | Not stated | None |
| Drill box | $100Not compared: Box drilling or key fee | Not stated | None |
| Garnishment | $75 | Not stated | None |
| Levy | $75 | Not stated | None |
| Subpoena received (per account) | $40 | Not stated | None |
Lending Fees | |||
| Credit card late payment (audience not stated, treated as personal) | $25 | Not stated | None |
Other Fees | |||
| Fax | $2 | Not stated | None |
| Set up recurring loan payments by phone | No charge | 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
per month
per month
per year
per hour
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Checking monthly service fee | No charge | per month | None |
| Below minimum balance (Value Checking) | $4 | per month | None |
| Inactive account | $10Not compared: Annual charge, not monthly | per year | None |
| Research/document retrieval | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper statement (applies to members 18 years to 64 years of age) | $5 | Not stated | None |
| Paper statements for members age 17 and under and age 65 | No charge | Not stated | None |
| Returned mail (per month) | $5 | per month | None |
Overdraft & NSF | |||
| Courtesy Pay or any overdraft | $28 | per item | None |
| Nonsufficient funds (includes checks, preauthorized ACH withdrawals and online bill pay) | $28 | per item | None |
| Returned ACH payment | $10 | Not stated | None |
| Overdraft transfer (from savings account) | $5 | Not stated | None |
ATM & Card | |||
| ATM use (including business accounts) (Non-ACU network machine withdrawals, transfers and inquiries) | $1 | per item | None |
Wire Transfers | |||
| Domestic wire transfer (Outgoing – Federal Reserve) | $25 | per item | None |
| International wire transfer (Outgoing) International wire transfer (Outgoing to U.S. Military Bases) | $100 | per item | None |
Check Services | |||
| Cashier's check | $5 | per item | None |
| Purchase money orders and cashier's checks | No charge | Not stated | None |
| Purchase money orders and cashier's checks | No charge | Not stated | None |
| Stop Payment – One or more checks, Online Banking, Mobile, Bill Pay and ACH | $30 | Not stated | None |
| Non-member ON US check cashing | $5 | per item | None |
| Collection item (incoming and outgoing) | $25 | Not stated | None |
Digital & Electronic | |||
| Send and receive money with Zelle® | No charge | Not stated | None |
| Uncollected funds (includes checks, preauthorized ACH withdrawals and online bill pay) | $28Not compared: Per-item charge, not monthly | per item | None |
| Mobile Check Deposit | No charge | Not stated | None |
Cash & Deposit | |||
| Deposit items returned unpaid | $15 | per item | None |
Account Services | |||
| Notary service (non-members) | $2 | per item | None |
| Notary service for members | No charge | Not stated | None |
| Drill box | $100Not compared: Box drilling or key fee | Not stated | None |
| Garnishment | $75 | Not stated | None |
| Levy | $75 | Not stated | None |
| Subpoena received (per account) | $40 | Not stated | None |
Other Fees | |||
| Fax | $2 | Not stated | None |
| Set up recurring loan payments by phone | No charge | Not stated | None |
Oct 20, 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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