Members Choice Federal Credit Union

Headquarters: Houston, Texas
Charter: Credit Union
Assets: $720.9M
Fed district: Dallas

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

Source: its fee schedule, read Oct 25, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Members Choice Federal Credit Union: $32
Members Choice Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Compared at $20, the middle of its prices
Members Choice Federal Credit Union: $5 to $32
Members Choice Federal Credit Union: $5 to $32
U.S. median: no median
Wire Transfer (Domestic Out)
Members Choice Federal Credit Union: $15 to $20
Members Choice Federal Credit Union: $15 to $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 25, 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Members Choice Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closed Membership (within 3 months)$10
Inactive Account Fee$5
per month
Account Reconciliation$10
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation ......................................$10.00 per hour
Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour · Research Fee ......................................................... $25.00/hour
Paper Statement Fee$2
per month
Returned Mail Fee$5

Overdraft & NSF

Cashier’s Check: Overdraft$32
Overdraft fee$32
per item
Non-Sufficient Funds (ACH)$32
per item
Returned Item Fee (Member account)$30
Returned Item Fee (Non-member Account)$10
Returned Item Fee (Non-profit account)$5
Overdraft Transfer (From savings or LOC)$5
per item

ATM & Card

Debit Card Replacement Fee$5
Not compared: Monthly charge, not per item
per month

Wire Transfers

Wire Transfer Fee (Outgoing): Domestic$20
Wire Transfer Fee (Outgoing): Online Domestic$15
Wire Transfer Fee (Outgoing): International$40

Check Services

Cashier’s Check: Member$3
Money Order$3
Stop Payment Fee$28
Temporary Check (8 checks excludes new accounts)$3
Check Cashing$5
per item
Collection Items: Domestic$15
Cancelled Check Copy: Additional$3
per item
Cancelled CU Check Copy (must be in writing)$5
Check Copy$2

Digital & Electronic

Bill Pay for Personal AccountsNo charge

Account Services

Notary for Non-members (Each stamp)$5
per item
Legal Documents Replaced (1099, etc.)$10
Legal Processing / Research$25
Not compared: Charged per hour; comparison unavailable
per hour · Legal Processing / Research........................................ $25/hour
Verification of Deposit on Letterhead (Written)$5

Other Fees

Computer Statement Copy Fee$5
Research Copy Fee$3
per item
Returned Loan Payments$28

Fee	Amount	Basis	Note
Account Maintenance
Closed Membership (within 3 months)	$10	Not stated	None
Inactive Account Fee	$5	per month	None
Account Reconciliation	$10Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation ......................................$10.00 per hour
Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	Research Fee ......................................................... $25.00/hour
Paper Statement Fee	$2	per month	None
Returned Mail Fee	$5	Not stated	None
Overdraft & NSF
Cashier’s Check: Overdraft	$32	Not stated	None
Overdraft fee	$32	per item	None
Non-Sufficient Funds (ACH)	$32	per item	None
Returned Item Fee (Member account)	$30	Not stated	None
Returned Item Fee (Non-member Account)	$10	Not stated	None
Returned Item Fee (Non-profit account)	$5	Not stated	None
Overdraft Transfer (From savings or LOC)	$5	per item	None
ATM & Card
Debit Card Replacement Fee	$5Not compared: Monthly charge, not per item	per month	None
Wire Transfers
Wire Transfer Fee (Outgoing): Domestic	$20	Not stated	None
Wire Transfer Fee (Outgoing): Online Domestic	$15	Not stated	None
Wire Transfer Fee (Outgoing): International	$40	Not stated	None
Check Services
Cashier’s Check: Member	$3	Not stated	None
Money Order	$3	Not stated	None
Stop Payment Fee	$28	Not stated	None
Temporary Check (8 checks excludes new accounts)	$3	Not stated	None
Check Cashing	$5	per item	None
Collection Items: Domestic	$15	Not stated	None
Cancelled Check Copy: Additional	$3	per item	None
Cancelled CU Check Copy (must be in writing)	$5	Not stated	None
Check Copy	$2	Not stated	None
Digital & Electronic
Bill Pay for Personal Accounts	No charge	Not stated	None
Account Services
Notary for Non-members (Each stamp)	$5	per item	None
Legal Documents Replaced (1099, etc.)	$10	Not stated	None
Legal Processing / Research	$25Not compared: Charged per hour; comparison unavailable	per hour	Legal Processing / Research........................................ $25/hour
Verification of Deposit on Letterhead (Written)	$5	Not stated	None
Other Fees
Computer Statement Copy Fee	$5	Not stated	None
Research Copy Fee	$3	per item	None
Returned Loan Payments	$28	Not stated	None

Correct a fee source

Oct 25, 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

Get an email when Members Choice Federal Credit Union's wire transfer changes in our data

We check once a day and send one email covering every change.