Baylor Health Care System Federal Credit Union

Headquarters: Dallas, Texas
Charter: Credit Union
Assets: $80.6M
Fed district: Dallas

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

Source: its fee schedule, read Oct 12, 2026.

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Fees against the market

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

Monthly Maintenance
Baylor Health Care System Federal Credit Union: No fee
Baylor Health Care System Federal Credit Union: No fee
U.S. median: no median
Overdraft (OD)
Baylor Health Care System Federal Credit Union: $30
Baylor Health Care System Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Baylor Health Care System Federal Credit Union: $30
Baylor Health Care System Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 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 Baylor Health Care System Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Checking Monthly Service FeeNo charge
per month
Below Minimum Balance$5
Early Closure Fee - Checking$15
Early Closure Fee - Primary and Christmas Savings$10
Wire Transfer Research Fee$25
Mailed Paper Statement$5
Bad Address Fee$5

Overdraft & NSF

Courtesy Pay$30
Returned Item$30
Overdraft Transfer Fee (From CC, LOC, Savings, or Checking Account)$5

ATM & Card

ATM Withdrawal (Non BHCSCU ATM or Allpoint Network)$3
Card Replacement Fee$5

Wire Transfers

Wire Transfer - Domestic$20
WIRE: Wire Transfer - International$35

Check Services

Money Order$3
Money Order$5
Stop Payment$30
On-Us Check Cashing (audience not stated, treated as personal)3%($20 maximum)

Digital & Electronic

Same-Day Bill Payment$9.95

Cash & Deposit

Coin Counting MachineNo charge
Cash Advance$10
Cash Advance$5

Account Services

Notary$5
Notary ServicesNo charge
Safe Deposit Box Annual Fee - 10x10x22$115
per year
Safe Deposit Box Annual Fee - 3x10x22$45
per year
Safe Deposit Box Annual Fee - 3x5x22$20
per year
Safe Deposit Box Annual Fee - 5x10x22$75
per year
Safe Deposit Box Annual Fee - 5x5x22$25
per year
Garnishment & Levy$70
Verification of Deposit$20
Not compared: Charged per hour; comparison unavailable
per hour

Lending Fees

Late Payment (audience not stated, treated as personal)5%
Loan Origination$35

Other Fees

Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Checking Monthly Service Fee	No charge	per month	None
Below Minimum Balance	$5	Not stated	None
Early Closure Fee - Checking	$15	Not stated	None
Early Closure Fee - Primary and Christmas Savings	$10	Not stated	None
Wire Transfer Research Fee	$25	Not stated	None
Mailed Paper Statement	$5	Not stated	None
Bad Address Fee	$5	Not stated	None
Overdraft & NSF
Courtesy Pay	$30	Not stated	None
Returned Item	$30	Not stated	None
Overdraft Transfer Fee (From CC, LOC, Savings, or Checking Account)	$5	Not stated	None
ATM & Card
ATM Withdrawal (Non BHCSCU ATM or Allpoint Network)	$3	Not stated	None
Card Replacement Fee	$5	Not stated	None
Wire Transfers
Wire Transfer - Domestic	$20	Not stated	None
WIRE: Wire Transfer - International	$35	Not stated	None
Check Services
Money Order	$3	Not stated	None
Money Order	$5	Not stated	None
Stop Payment	$30	Not stated	None
On-Us Check Cashing (audience not stated, treated as personal)	3%($20 maximum)	Not stated	None
Digital & Electronic
Same-Day Bill Payment	$9.95	Not stated	None
Cash & Deposit
Coin Counting Machine	No charge	Not stated	None
Cash Advance	$10	Not stated	None
Cash Advance	$5	Not stated	None
Account Services
Notary	$5	Not stated	None
Notary Services	No charge	Not stated	None
Safe Deposit Box Annual Fee - 10x10x22	$115	per year	None
Safe Deposit Box Annual Fee - 3x10x22	$45	per year	None
Safe Deposit Box Annual Fee - 3x5x22	$20	per year	None
Safe Deposit Box Annual Fee - 5x10x22	$75	per year	None
Safe Deposit Box Annual Fee - 5x5x22	$25	per year	None
Garnishment & Levy	$70	Not stated	None
Verification of Deposit	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Lending Fees
Late Payment (audience not stated, treated as personal)	5%	Not stated	None
Loan Origination	$35	Not stated	None
Other Fees
Statement Copy	$5	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 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.

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