Texas Bay Federal Credit Union

Headquarters: Houston, Texas
Charter: Credit Union
Assets: $905.0M
Fed district: Dallas

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

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $8, the middle of its prices
Texas Bay Federal Credit Union: $6 to $10
Texas Bay Federal Credit Union: $6 to $10
U.S. median: no median
Overdraft (OD)
Texas Bay Federal Credit Union: $29
Texas Bay Federal Credit Union: $29
U.S. median: no median
Non-Network ATM
Compared at $1.75, the middle of its prices
Texas Bay Federal Credit Union: $0.50 to $3
Texas Bay Federal Credit Union: $0.50 to $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

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.

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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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 Texas Bay Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$6
per month
Monthly fee$10
per month
Monthly fee if the minimum balance falls below $100$8
per month
Account Closure (if closed within 6 months)$15
Account Reconciliation/Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Share Draft Printing: Varies: Statement Fee for Paper Statements$1
Excessive Withdrawals - Money Fund Accounts$10

Overdraft & NSF

Courtesy Pay$29
per item
Overdraft Protection$5
per item

ATM & Card

ATM Balance Inquiry Fee at Non-TBCU ATMs$0.50
per transaction
ATM Transaction Fee at all other ATMs$3
per transaction
Debit Card Replacement$5
per item
Debit Card Rush Fee – 2 Day$45
per item

Wire Transfers

Bank Wire Transfer: International$40
per item

Check Services

Cashier’s/Certified Checks$3
per item
Money Orders$3
per item
Page: Stop Payment Request$29
per item
Share Draft Temporary Checks$1
Check Cashing FeeNo charge
Collection Item$25
per item
Copy of Share Draft$5
per item

Cash & Deposit

Returned Deposit Item$29
per item

Account Services

Replacement Key$150
Not compared: Box drilling or key fee
Safe Deposit Box 3x10$60
per year
Safe Deposit Box 3x5$40
per year
Safe Deposit Box 5x10$80
per year
Legal Processing$30
per item
Verification of Deposits/Loans (written)$5
per item

Other Fees

Statement Copies$1
per item
Skip-A-Payment Processing Fee$25
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$6	per month	None
Monthly fee	$10	per month	None
Monthly fee if the minimum balance falls below $100	$8	per month	None
Account Closure (if closed within 6 months)	$15	Not stated	None
Account Reconciliation/Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Share Draft Printing: Varies: Statement Fee for Paper Statements	$1	Not stated	None
Excessive Withdrawals - Money Fund Accounts	$10	Not stated	None
Overdraft & NSF
Courtesy Pay	$29	per item	None
Overdraft Protection	$5	per item	None
ATM & Card
ATM Balance Inquiry Fee at Non-TBCU ATMs	$0.50	per transaction	None
ATM Transaction Fee at all other ATMs	$3	per transaction	None
Debit Card Replacement	$5	per item	None
Debit Card Rush Fee – 2 Day	$45	per item	None
Wire Transfers
Bank Wire Transfer: International	$40	per item	None
Check Services
Cashier’s/Certified Checks	$3	per item	None
Money Orders	$3	per item	None
Page: Stop Payment Request	$29	per item	None
Share Draft Temporary Checks	$1	Not stated	None
Check Cashing Fee	No charge	Not stated	None
Collection Item	$25	per item	None
Copy of Share Draft	$5	per item	None
Cash & Deposit
Returned Deposit Item	$29	per item	None
Account Services
Replacement Key	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 3x10	$60	per year	None
Safe Deposit Box 3x5	$40	per year	None
Safe Deposit Box 5x10	$80	per year	None
Legal Processing	$30	per item	None
Verification of Deposits/Loans (written)	$5	per item	None
Other Fees
Statement Copies	$1	per item	None
Skip-A-Payment Processing Fee	$25	per item	None

Correct a fee source

Nov 3, 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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