Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, $300M to $1B

Members Choice Federal Credit Union

Houston, TexasCredit UnionDallas Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Reconciliation$10Below the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Cashier’s Check ........................................................................ | Overdraft$32Within the typical range ($25–$32 nationally)
$2 above the national median
Source
for checks or less | Overdraft Transfer (From savings or LOC)$5Within the typical range ($3–$5 nationally)
At the national median
per item · Source
Non-Sufficient Funds (ACH)$32Above the typical range ($25–$31.50 nationally)
$2 above the national median
per item · Source
Returned Item Fee (Member account)$30Within the typical range ($25–$31.50 nationally)
At the national median
Source
Returned Item Fee (Non-member Account)$10Below the typical range ($25–$31.50 nationally)
$20 below the national median
Source

Check ServicesVerified

/month | Stop Payment Fee$28Within the typical range ($20–$30 nationally)
$1 above the national median
per month · Source
Cancelled CU Check Copy (must be in writing)$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source
Check Cashing$5Within the typical range ($5–$10 nationally)
At the national median
per item · Source
Check Copy$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source
Money Order$3Within the typical range ($1.63–$3 nationally)
$1 above the national median
Source

Account ServicesVerified

Legal Processing / Research$25Below the typical range ($50–$150 nationally)
$75 below the national median
Source
Notary for Non-members (Each stamp)$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Source
Verification of Deposit on Letterhead (Written)$5Below the typical range ($10–$15 nationally)
$5 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation	$10Below the typical range ($20–$25 nationally)	$15 below the national median	—	—	Source
Inactive Account Fee ………………………..………	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Paper Statement Fee	$2Within the typical range ($2–$4.50 nationally)	$1 below the national median	per month	—	Source
Research Fee	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Overdraft & NSFVerified
Cashier’s Check ........................................................................ \| Overdraft	$32Within the typical range ($25–$32 nationally)	$2 above the national median	—	—	Source
for checks or less \| Overdraft Transfer (From savings or LOC)	$5
ATM & CardVerified
Debit Card Replacement Fee	$5Within the typical range ($5–$10 nationally)	$5 below the national median	per month	—	Source
Check ServicesVerified
/month \| Stop Payment Fee	$28Within the typical range ($20–$30 nationally)	$1 above the national median	per month	—	Source
Cancelled CU Check Copy (must be in writing)	$5
Account ServicesVerified
Legal Processing / Research	$25Below the typical range ($50–$150 nationally)	$75 below the national median	—	—	Source
Notary for Non-members (Each stamp)	$5
Other FeesVerified
Computer Statement Copy Fee	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	—	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$32

Overdraft fee: $32

7% above the national median overdraft fee

Total fees: 19 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$720.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$720.9M

Total deposits

$584.7M

Service charge income (year to date)

$1.2M

Fee income ratio

5.1%

Return on assets

0.15%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

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Based on 39,755 published fee entries from 2,777 institutions

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