Unitedone Federal Credit Union

Headquarters: Manitowoc, Wisconsin
Charter: Credit Union
Assets: $348.3M
Fed district: Chicago

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

Source: its fee schedule, read Oct 26, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Basic Checking $5 · Dividend Checking $7 · Dividend Checking Account Fees $15
Compared at $7, the middle of its prices
Unitedone Federal Credit Union: $5 to $15
Unitedone Federal Credit Union: $5 to $15
U.S. median: no median
Overdraft (OD)
Unitedone Federal Credit Union: $28
Unitedone Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Unitedone Federal Credit Union: $28
Unitedone Federal Credit Union: $28
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 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 Unitedone Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Monthly service charge$5
per month
Dividend Checking Account Fees: Monthly Service Fee$15
per month
Dividend Checking Monthly service charge$7
per month
Account Closure (within 90 days of opening)$10
Bill Payer (inactivity fee)$6
Bill Payer Inactivity Fee$6
per month
Dormant Account (no activity for 12 months)$5
per month
Account Research/Reconciliation$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement$5
per month
Bad Address$7
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay overdraft fee$28
per item
NSF (non-sufficient funds) & Courtesy Pay$28
NSF (Non-Sufficient Funds)$28

ATM & Card

Debit Card Replacement$8

Wire Transfers

Wire Transfer (outgoing/domestic)$20
per item
Wire Transfer (incoming)$10
per item

Check Services

Cashier's Check/Money Order$3
per item
Stop Payment$28
per item
Copies of Paid Checks, Statements & Account Activity$6
per item

Account Services

Replacement Key$25
Not compared: Box drilling or key fee
per item
Safe Deposit Box$45
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$90
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$30
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$60
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)$40
Garnishment/Tax/Levy$50
Mortgage Subordination Request$100

Other Fees

Fax (send/receive)$2
per item
Photocopy$0.25
per item
Mortgage Satisfaction eRecording Fee$36.31

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking Monthly service charge	$5	per month	None
Dividend Checking Account Fees: Monthly Service Fee	$15	per month	None
Dividend Checking Monthly service charge	$7	per month	None
Account Closure (within 90 days of opening)	$10	Not stated	None
Bill Payer (inactivity fee)	$6	Not stated	None
Bill Payer Inactivity Fee	$6	per month	None
Dormant Account (no activity for 12 months)	$5	per month	None
Account Research/Reconciliation	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement	$5	per month	None
Bad Address	$7Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay overdraft fee	$28	per item	None
NSF (non-sufficient funds) & Courtesy Pay	$28	Not stated	None
NSF (Non-Sufficient Funds)	$28	Not stated	None
ATM & Card
Debit Card Replacement	$8	Not stated	None
Wire Transfers
Wire Transfer (outgoing/domestic)	$20	per item	None
Wire Transfer (incoming)	$10	per item	None
Check Services
Cashier's Check/Money Order	$3	per item	None
Stop Payment	$28	per item	None
Copies of Paid Checks, Statements & Account Activity	$6	per item	None
Account Services
Replacement Key	$25Not compared: Box drilling or key fee	per item	None
Safe Deposit Box	$45	Not stated	None
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$90	Not stated	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$30	Not stated	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$60	Not stated	None
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)	$40	Not stated	None
Garnishment/Tax/Levy	$50	Not stated	None
Mortgage Subordination Request	$100	Not stated	None
Other Fees
Fax (send/receive)	$2	per item	None
Photocopy	$0.25	per item	None
Mortgage Satisfaction eRecording Fee	$36.31	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

Account Maintenance

Dividend Checking Account Fees: Monthly Service Fee$15
per month
Account Closure (within 90 days of opening)$10
Bill Payer (inactivity fee)$6

Overdraft & NSF

NSF (non-sufficient funds) & Courtesy Pay$28

ATM & Card

Debit Card Replacement$8

Wire Transfers

Wire Transfer (outgoing/domestic)$20
per item
Wire Transfer (incoming)$10
per item

Check Services

Stop Payment$28
per item

Account Services

Replacement Key$25
Not compared: Box drilling or key fee
per item
Safe Deposit Box$45
Garnishment/Tax/Levy$50
Mortgage Subordination Request$100

Other Fees

Fax (send/receive)$2
per item
Photocopy$0.25
per item
Commercial Loan Modification Fee$300
Mortgage Satisfaction eRecording Fee$36.31

Fee	Amount	Basis	Note
Account Maintenance
Dividend Checking Account Fees: Monthly Service Fee	$15	per month	None
Account Closure (within 90 days of opening)	$10	Not stated	None
Bill Payer (inactivity fee)	$6	Not stated	None
Overdraft & NSF
NSF (non-sufficient funds) & Courtesy Pay	$28	Not stated	None
ATM & Card
Debit Card Replacement	$8	Not stated	None
Wire Transfers
Wire Transfer (outgoing/domestic)	$20	per item	None
Wire Transfer (incoming)	$10	per item	None
Check Services
Stop Payment	$28	per item	None
Account Services
Replacement Key	$25Not compared: Box drilling or key fee	per item	None
Safe Deposit Box	$45	Not stated	None
Garnishment/Tax/Levy	$50	Not stated	None
Mortgage Subordination Request	$100	Not stated	None
Other Fees
Fax (send/receive)	$2	per item	None
Photocopy	$0.25	per item	None
Commercial Loan Modification Fee	$300	Not stated	None
Mortgage Satisfaction eRecording Fee	$36.31	Not stated	None

Correct a fee source

Oct 26, 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

Get an email when Unitedone Federal Credit Union's foreign transaction changes in our data

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Fees against the market

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

Monthly Maintenance
Basic Checking $5 · Dividend Checking $7 · Dividend Checking Account Fees $15
Compared at $7, the middle of its prices
Unitedone Federal Credit Union: $5 to $15
Unitedone Federal Credit Union: $5 to $15
U.S. median: no median
Overdraft (OD)
Unitedone Federal Credit Union: $28
Unitedone Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Unitedone Federal Credit Union: $28
Unitedone Federal Credit Union: $28
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 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.

Published fee schedule

Amounts from Unitedone Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Monthly service charge$5
per month
Dividend Checking Account Fees: Monthly Service Fee$15
per month
Dividend Checking Monthly service charge$7
per month
Account Closure (within 90 days of opening)$10
Bill Payer (inactivity fee)$6
Bill Payer Inactivity Fee$6
per month
Dormant Account (no activity for 12 months)$5
per month
Account Research/Reconciliation$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement$5
per month
Bad Address$7
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay overdraft fee$28
per item
NSF (non-sufficient funds) & Courtesy Pay$28
NSF (Non-Sufficient Funds)$28

ATM & Card

Debit Card Replacement$8

Wire Transfers

Wire Transfer (outgoing/domestic)$20
per item
Wire Transfer (incoming)$10
per item

Check Services

Cashier's Check/Money Order$3
per item
Stop Payment$28
per item
Copies of Paid Checks, Statements & Account Activity$6
per item

Account Services

Replacement Key$25
Not compared: Box drilling or key fee
per item
Safe Deposit Box$45
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$90
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$30
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$60
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)$40
Garnishment/Tax/Levy$50
Mortgage Subordination Request$100

Other Fees

Fax (send/receive)$2
per item
Photocopy$0.25
per item
Mortgage Satisfaction eRecording Fee$36.31

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking Monthly service charge	$5	per month	None
Dividend Checking Account Fees: Monthly Service Fee	$15	per month	None
Dividend Checking Monthly service charge	$7	per month	None
Account Closure (within 90 days of opening)	$10	Not stated	None
Bill Payer (inactivity fee)	$6	Not stated	None
Bill Payer Inactivity Fee	$6	per month	None
Dormant Account (no activity for 12 months)	$5	per month	None
Account Research/Reconciliation	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement	$5	per month	None
Bad Address	$7Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay overdraft fee	$28	per item	None
NSF (non-sufficient funds) & Courtesy Pay	$28	Not stated	None
NSF (Non-Sufficient Funds)	$28	Not stated	None
ATM & Card
Debit Card Replacement	$8	Not stated	None
Wire Transfers
Wire Transfer (outgoing/domestic)	$20	per item	None
Wire Transfer (incoming)	$10	per item	None
Check Services
Cashier's Check/Money Order	$3	per item	None
Stop Payment	$28	per item	None
Copies of Paid Checks, Statements & Account Activity	$6	per item	None
Account Services
Replacement Key	$25Not compared: Box drilling or key fee	per item	None
Safe Deposit Box	$45	Not stated	None
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$90	Not stated	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$30	Not stated	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$60	Not stated	None
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)	$40	Not stated	None
Garnishment/Tax/Levy	$50	Not stated	None
Mortgage Subordination Request	$100	Not stated	None
Other Fees
Fax (send/receive)	$2	per item	None
Photocopy	$0.25	per item	None
Mortgage Satisfaction eRecording Fee	$36.31	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

Account Maintenance

Dividend Checking Account Fees: Monthly Service Fee$15
per month
Account Closure (within 90 days of opening)$10
Bill Payer (inactivity fee)$6

Overdraft & NSF

NSF (non-sufficient funds) & Courtesy Pay$28

ATM & Card

Debit Card Replacement$8

Wire Transfers

Wire Transfer (outgoing/domestic)$20
per item
Wire Transfer (incoming)$10
per item

Check Services

Stop Payment$28
per item

Account Services

Replacement Key$25
Not compared: Box drilling or key fee
per item
Safe Deposit Box$45
Garnishment/Tax/Levy$50
Mortgage Subordination Request$100

Other Fees

Fax (send/receive)$2
per item
Photocopy$0.25
per item
Commercial Loan Modification Fee$300
Mortgage Satisfaction eRecording Fee$36.31

Fee	Amount	Basis	Note
Account Maintenance
Dividend Checking Account Fees: Monthly Service Fee	$15	per month	None
Account Closure (within 90 days of opening)	$10	Not stated	None
Bill Payer (inactivity fee)	$6	Not stated	None
Overdraft & NSF
NSF (non-sufficient funds) & Courtesy Pay	$28	Not stated	None
ATM & Card
Debit Card Replacement	$8	Not stated	None
Wire Transfers
Wire Transfer (outgoing/domestic)	$20	per item	None
Wire Transfer (incoming)	$10	per item	None
Check Services
Stop Payment	$28	per item	None
Account Services
Replacement Key	$25Not compared: Box drilling or key fee	per item	None
Safe Deposit Box	$45	Not stated	None
Garnishment/Tax/Levy	$50	Not stated	None
Mortgage Subordination Request	$100	Not stated	None
Other Fees
Fax (send/receive)	$2	per item	None
Photocopy	$0.25	per item	None
Commercial Loan Modification Fee	$300	Not stated	None
Mortgage Satisfaction eRecording Fee	$36.31	Not stated	None

Correct a fee source

Oct 26, 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.