24 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 12, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $9.99, the middle of its prices
NSF / Returned Item
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 Texas, the Dallas 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 America'S Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per month
per month
per month
per month
per hour · Reconciling/Research of Checking Account (1 hour minimum) | $25/hr
per month
per item
per month
per item
per year
per year
per year
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee (audience not stated, treated as personal) | $10 | per month | None |
| Monthly Service Fee | $5 | per month | None |
| Monthly Service Fee | $6 | per month | None |
| Monthly Service Fee | No charge | per month | None |
| Monthly Service Fee, w/direct deposit | $10 | per month | None |
| Monthly Service Fee, w/direct deposit of less than monthly | $9.99 | per month | None |
| Monthly Service Fee, w/o direct deposit | $15 | per month | None |
| Closed Account Fee (any savings acct closed within 6 months of opening) | $25 | Not stated | None |
| Reconciling/Research of Checking Account (1 hour minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | Reconciling/Research of Checking Account (1 hour minimum) | $25/hr |
| Paper Statements | $3 | Not stated | None |
| Bad Address/Returned Statement | $5 | per month | None |
Overdraft & NSF | |||
| Insufficient Funds (NSF)- Flexible Checking | $37 | per item | None |
| Automatic Overdraft Transfer Fee | $3 | Not stated | None |
| Automatic Overdraft Transfer Fee, one per month | No chargeNot compared: Monthly charge, not per item | per month | None |
| Debit Overdraft from Share (one free per mo), additional (audience not stated, treated as personal) | $3 | per item | None |
ATM & Card | |||
| ATM not part of ACU ATM Network (audience not stated, treated as personal) | $1 | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing (each attempt) (audience not stated, treated as personal) | $20 | per item | None |
| Wire Transfers: Incoming (audience not stated, treated as personal) | $5 | Not stated | None |
Check Services | |||
| Additional Cashier's Checks | $3 | Not stated | None |
| Cashier's Check | $5 | Not stated | None |
| Cashier's Checks | $3 | Not stated | None |
| Money Order | $3 | Not stated | None |
| Stop Payments (including from Touch & Go and Home Banking) | $30 | Not stated | None |
| Temporary Checks (minimum 4 checks) | $1 | Not stated | None |
| Check Cashing Fee (audience not stated, treated as personal) | 1%($3 minimum) | Not stated | None |
| Collection Items (domestic) $25 to $99.99 | $25 | Not stated | None |
| Copy of Cancelled Check | $3 | Not stated | None |
Digital & Electronic | |||
| ACH Debit Origination to Deposit Account | $5 | Not stated | None |
| ACH Debit Origination to Loan 'Check by Phone' | $10 | Not stated | None |
| ACH Debit Origination Return Item | $35 | per item | None |
Cash & Deposit | |||
| Coin Processing (members under 18 exempt) (audience not stated, treated as personal) | 5% | Not stated | None |
| Non-Member coin processing (audience not stated, treated as personal) | 8% | Not stated | None |
| Chargeback (audience not stated, treated as personal) | $25 | Not stated | None |
| Returned Check (deposited item) | $15 | Not stated | None |
Account Services | |||
| Safe Deposit Box 10 x 10 | $100 | per year | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $100 | per year | None |
| Safe Deposit Box 3 x 10 | $35 | per year | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $35 | per year | None |
| Safe Deposit Box 3 x 5 | $25 | per year | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $25 | per year | None |
| Safe Deposit Box 5 x 10 | $60 | per year | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $60 | per year | None |
| Safe Deposit Box Late Fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Lien/Levy/Attachment/Garnishment (plus attorney fees) | $75 | Not stated | None |
| Verification of Deposit | $7 | Not stated | None |
| Verification of Deposit | $15 | Not stated | None |
Gift & Prepaid Cards | |||
| VISA® Gift Card | $5 | Not stated | None |
Other Fees | |||
| Copy of Sales Slip (audience not stated, treated as personal) | $18 | Not stated | None |
| Copy of Statement | $5 | Not stated | None |
| Photocopies & Faxes | $3 | per item | None |
| Skip-a-Pay (per loan) | $35 | per item | 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 month
per month
per month
per hour · Reconciling/Research of Checking Account (1 hour minimum) | $25/hr
per month
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee | $5 | per month | None |
| Monthly Service Fee | $6 | per month | None |
| Monthly Service Fee | No charge | per month | None |
| Monthly Service Fee, w/direct deposit | $10 | per month | None |
| Monthly Service Fee, w/direct deposit of less than monthly | $9.99 | per month | None |
| Monthly Service Fee, w/o direct deposit | $15 | per month | None |
| Closed Account Fee (any savings acct closed within 6 months of opening) | $25 | Not stated | None |
| Reconciling/Research of Checking Account (1 hour minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | Reconciling/Research of Checking Account (1 hour minimum) | $25/hr |
| Paper Statements | $3 | Not stated | None |
| Bad Address/Returned Statement | $5 | per month | None |
Overdraft & NSF | |||
| Insufficient Funds (NSF)- Business Accounts | $40 | per item | None |
| Insufficient Funds (NSF)- Flexible Checking | $37 | per item | None |
| Automatic Overdraft Transfer Fee | $3 | Not stated | None |
| Automatic Overdraft Transfer Fee, one per month | No chargeNot compared: Monthly charge, not per item | per month | None |
Check Services | |||
| Additional Cashier's Checks | $3 | Not stated | None |
| Cashier's Check | $5 | Not stated | None |
| Cashier's Checks | $3 | Not stated | None |
| Money Order | $3 | Not stated | None |
| Stop Payments (including from Touch & Go and Home Banking) | $30 | Not stated | None |
| Temporary Checks (minimum 4 checks) | $1 | Not stated | None |
| Collection Items (domestic) $25 to $99.99 | $25 | Not stated | None |
| Copy of Cancelled Check | $3 | Not stated | None |
Digital & Electronic | |||
| ACH Debit Origination to Deposit Account | $5 | Not stated | None |
| ACH Debit Origination to Loan 'Check by Phone' | $10 | Not stated | None |
| ACH Debit Origination Return Item | $35 | per item | None |
Cash & Deposit | |||
| Returned Check (deposited item) | $15 | Not stated | None |
Account Services | |||
| Safe Deposit Box 10 x 10 | $100 | per year | None |
| Safe Deposit Box 3 x 10 | $35 | per year | None |
| Safe Deposit Box 3 x 5 | $25 | per year | None |
| Safe Deposit Box 5 x 10 | $60 | per year | None |
| Safe Deposit Box Late Fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Lien/Levy/Attachment/Garnishment (plus attorney fees) | $75 | Not stated | None |
| Verification of Deposit | $7 | Not stated | None |
| Verification of Deposit | $15 | Not stated | None |
Gift & Prepaid Cards | |||
| VISA® Gift Card | $5 | Not stated | None |
Other Fees | |||
| Copy of Statement | $5 | Not stated | None |
| Photocopies & Faxes | $3 | per item | None |
| Skip-a-Pay (per loan) | $35 | per item | None |
Oct 12, 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
We check once a day and send one email covering every change.