23 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 2, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Compared at $25, the middle of its prices
Non-Network ATM
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Florida, 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 Florida West Coast Federal Credit Union’s own schedules, with a source for each figure.
per month
per hour
per hour
per item
per item
per item
per day
per transaction
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Abandoned Property Processing | $20 | Not stated | None |
| Inactive Account Fee (per month) | $5 | per month | None |
| Account Balancing Assistance (per hour/1 hour minimum) | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research (per hour/1 hour minimum) | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail/Bad Address (per occurrence) | $2Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Paid NSF (per item) Includes ACH, Personal Checks, Electronic Debit, Online Bill Pay. We do not charge a Paid NSF fee on | $32 | per item | None |
| Insufficient Funds Fee (per item, even if the same item has been presented 1 or more times) | $32 | per item | None |
| Returned Item - includes ACH Origination (2nd party) | $15 | Not stated | None |
| Returned Item - includes ACH Originiation (1st party) | $25 | Not stated | None |
| Negative Balance Fee (per day, if more than $5.00 negative) | $1.50 | per day | None |
| Overdraft Protection Transfer (POS, ATM) | $2 | Not stated | None |
ATM & Card | |||
| ATM Transactions (at ATMs we do not own)(per transaction) | $1.50 | per transaction | None |
| Card Replacement Fee (each) | $10 | per item | None |
| International Service Assessment | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfers (outgoing) | $25 | Not stated | None |
| Wire Transfers (incoming) | $5 | Not stated | None |
Check Services | |||
| Official Checks - payable to a third party | $2 | Not stated | None |
| Official Checks - payable to members | No charge | Not stated | None |
| Money Orders (per item) | $1.50 | per item | None |
| Temporary Checks (per check)(other than new account) | $1 | per item | None |
| ON-US Check Cashing (per check)(Non-Members Only) | $5 | per item | None |
| Copy of a Paid Check (per check) | $5 | per item | None |
| Online Copy of a Paid Check (per check) | No charge | per item | None |
Digital & Electronic | |||
| ACH Origination through EMV | $9 | Not stated | None |
| Merchant Return (Bill Pay) | $25 | Not stated | None |
Cash & Deposit | |||
| Visa Cash Advance TrCUVisa Cash Advance Transaction (non-members only) | $5 | Not stated | None |
| Returned Check Fee | $25 | Not stated | None |
Account Services | |||
| Notary Fee (for Non-Members)(FREE for Members) | $10 | Not stated | None |
| IRA Levy/Garnishment (per notice) | $30Not compared: CD/IRA fee | per item | None |
| Mortgage Subordination | $25 | Not stated | None |
Lending Fees | |||
| Visa Late Payment Fee (if payment is 10 or more days past due) | $20 | Not stated | None |
Other Fees | |||
| General Statement Copy | $5 | Not stated | None |
| Mortgage Satisfaction | $14.50 | Not stated | None |
Nov 2, 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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