16 published fees; none has a market median to compare yet.
Source: its fee schedule, read Feb 17, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta 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 Emblem Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per hour
per month · Waived if eStatements enabled. Waived for members under 18 and over 65 years of age.
per month
per item
per item
per item
per item
per item
per year
per year
per item
per item
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee | $10 | per month | None |
| Below Minimum Balance | $10 | per month | None |
| Dormant Account | $5 | per month | None |
| Account Reconciliation/Research | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $3 | per month | Waived if eStatements enabled. Waived for members under 18 and over 65 years of age. |
| Excessive Withdrawal Fee | $10 | Not stated | None |
| Bad Address | $5 | per month | None |
Overdraft & NSF | |||
| Overdraft | $20 | per item | None |
| NSF / Returned Item | $20 | per item | None |
ATM & Card | |||
| Replacement Card | $10 | per item | Original free, 1st replacement free |
| Replacement Card (Original Free, 1st Replacement Free) | $10 | per item | None |
Wire Transfers | |||
| Wire Transfer - Domestic Outgoing (audience not stated, treated as personal) | $20 | per item | None |
| Wire Transfers: Domestic Outgoing (audience not stated, treated as personal) | $20 | per item | None |
| Wire Transfer - Domestic Incoming (audience not stated, treated as personal) | $10 | per item | None |
| Wire Transfers: Domestic Incoming (audience not stated, treated as personal) | $10 | per item | None |
| Wire Transfers: International (audience not stated, treated as personal) | $35 | per item | None |
Check Services | |||
| Stop Payment | $20 | per item | None |
| Check Copies | $2 | per item | None |
Account Services | |||
| Safe Deposit Box | $65 | Not stated | None |
| Safe Deposit Box | $25 | per year | None |
| Safe Deposit Box | $40 | Not stated | None |
| Safe Deposit Box | $22.50 | per year | None |
| Safe Deposit Box | $50 | Not stated | None |
| Safe Deposit Box 10x10 (audience not stated, treated as personal) | $65 | Not stated | None |
| Safe Deposit Box 3x10 (audience not stated, treated as personal) | $25 | Not stated | None |
| Safe Deposit Box 3x5 | $17.50 | per item | None |
| Safe Deposit Box 3x5 (audience not stated, treated as personal) | $17.50 | Not stated | None |
| Safe Deposit Box 5x10 (audience not stated, treated as personal) | $40 | Not stated | None |
| Safe Deposit Box 5x5 (audience not stated, treated as personal) | $22.50 | Not stated | None |
| Verification of Deposit (VOD) (audience not stated, treated as personal) | $20 | per item | None |
| VOD (Verification of Deposit) | $20 | Not stated | None |
Other Fees | |||
| Statement Copy | $1Not compared: Charged per page; comparison unavailable | per page | 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 month
per hour
per month · Waived if eStatements enabled. Waived for members under 18 and over 65 years of age.
per month
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee | $10 | per month | None |
| Below Minimum Balance | $10 | per month | None |
| Dormant Account | $5 | per month | None |
| Account Reconciliation/Research | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $3 | per month | Waived if eStatements enabled. Waived for members under 18 and over 65 years of age. |
| Excessive Withdrawal Fee | $10 | Not stated | None |
| Bad Address | $5 | per month | None |
Overdraft & NSF | |||
| Overdraft | $20 | per item | None |
| NSF / Returned Item | $20 | per item | None |
ATM & Card | |||
| Replacement Card | $10 | per item | Original free, 1st replacement free |
| Replacement Card (Original Free, 1st Replacement Free) | $10 | per item | None |
Check Services | |||
| Cashier’s Checks | $2 | per item | None |
| Stop Payment | $20 | per item | None |
| Check Copies | $2 | per item | None |
Account Services | |||
| Safe Deposit Box | $65 | Not stated | None |
| Safe Deposit Box | $25 | per year | None |
| Safe Deposit Box | $40 | Not stated | None |
| Safe Deposit Box | $22.50 | per year | None |
| Safe Deposit Box | $50 | Not stated | None |
| Safe Deposit Box 3x5 | $17.50 | per item | None |
| VOD (Verification of Deposit) | $20 | Not stated | None |
Other Fees | |||
| Statement Copy | $1Not compared: Charged per page; comparison unavailable | per page | None |
Feb 17, 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
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