Datcu Federal Credit Union

Headquarters: Denton, Texas
Charter: Credit Union
Assets: $1.8B
Fed district: Dallas

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

Source: its fee schedule, read Oct 23, 2026.

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Fees against the market

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

Monthly Maintenance
Datcu Federal Credit Union: $5
Datcu Federal Credit Union: $5
U.S. median: no median
NSF / Returned Item
Datcu Federal Credit Union: $32
Datcu Federal Credit Union: $32
U.S. median: no median
Stop Payment
Datcu Federal Credit Union: $32
Datcu Federal Credit Union: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 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 Datcu Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Maintenance Fee$5
per month
Share Minimum Balance: (Membership Fee) (audience not stated, treated as personal)$5
Account Closing Fee (Within 180 Days of Opening; member share only)$5
Statement Reconciliation / Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Bad Address Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

InsufficientFunds (NSF) Max4 per day$32

ATM & Card

Replacement Card (audience not stated, treated as personal)$20
per item
Card Issuer Cross-Border Fee (audience not stated, treated as personal)1%of the transaction
per transaction

Wire Transfers

Incoming Wire Fee$5
per item

Check Services

Cashier's Checks$5
per item
Money Orders$2
per item
Bill Payment Stop Payment Fee (audience not stated, treated as personal)$32
Stop Payment Fee (audience not stated, treated as personal)$32
Temporary Checks (audience not stated, treated as personal)$2
per item · Per sheet
Check Cashing Fee (audience not stated, treated as personal)1%
Bill Payment Check Copy Fee (audience not stated, treated as personal)$10
Check Copy (2 Free per month) (audience not stated, treated as personal)$2
per item

Digital & Electronic

Bill Payment Services without E-Statements (audience not stated, treated as personal)$5.95
per month

Cash & Deposit

Loose Coin Counting (audience not stated, treated as personal)5%
Returned Deposit Item (Negotiated Check) From 3 party payor$10
per item
Returned Deposit Item (Negotiated Check) From Self (To Me / From Me)$32
per item

Account Services

Legal Processing (For all garnishments, levies, freezes)$75

Other Fees

Returned Loan Payment Fee (Check, EFT, ACH)$32

Fee	Amount	Basis	Note
Account Maintenance
Maintenance Fee	$5	per month	None
Share Minimum Balance: (Membership Fee) (audience not stated, treated as personal)	$5	Not stated	None
Account Closing Fee (Within 180 Days of Opening; member share only)	$5	Not stated	None
Statement Reconciliation / Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Bad Address Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
InsufficientFunds (NSF) Max4 per day	$32	Not stated	None
ATM & Card
Replacement Card (audience not stated, treated as personal)	$20	per item	None
Card Issuer Cross-Border Fee (audience not stated, treated as personal)	1%of the transaction	per transaction	None
Wire Transfers
Incoming Wire Fee	$5	per item	None
Check Services
Cashier's Checks	$5	per item	None
Money Orders	$2	per item	None
Bill Payment Stop Payment Fee (audience not stated, treated as personal)	$32	Not stated	None
Stop Payment Fee (audience not stated, treated as personal)	$32	Not stated	None
Temporary Checks (audience not stated, treated as personal)	$2	per item	Per sheet
Check Cashing Fee (audience not stated, treated as personal)	1%	Not stated	None
Bill Payment Check Copy Fee (audience not stated, treated as personal)	$10	Not stated	None
Check Copy (2 Free per month) (audience not stated, treated as personal)	$2	per item	None
Digital & Electronic
Bill Payment Services without E-Statements (audience not stated, treated as personal)	$5.95	per month	None
Cash & Deposit
Loose Coin Counting (audience not stated, treated as personal)	5%	Not stated	None
Returned Deposit Item (Negotiated Check) From 3 party payor	$10	per item	None
Returned Deposit Item (Negotiated Check) From Self (To Me / From Me)	$32	per item	None
Account Services
Legal Processing (For all garnishments, levies, freezes)	$75	Not stated	None
Other Fees
Returned Loan Payment Fee (Check, EFT, ACH)	$32	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 23, 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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