Scott And White Employees Federal Credit Union Fees: Overdraft $25, NSF $25 (2026)

Overdraft & NSFVerified

Non-Sufficient Funds (NSF)/Courtesy Pay Fee Preauthorized Payments$25Within the typical range ($25–$30 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=overdraft; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="*Non-Sufficient Funds (NSF)/Courtesy Pay Fee Preauthorized Payments | $25.00 per items" · Source
Non-Sufficient Funds Fee (NSF/Courtesy Pay Fee)$25Within the typical range ($25–$30 nationally)
$5 below the national median
per item · Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=overdraft; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="*Non-Sufficient Funds Fee (NSF/Courtesy Pay Fee) | $25.00 per item" · Source
Overdraft Transfer Protection Fee$3Within the typical range ($2.38–$5 nationally)
$2 below the national median
per transaction · Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=od_protection_transfer; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Overdraft Transfer Protection Fee | $3.00 per transaction" · Source
Return Item Fee$25Within the typical range ($25–$31 nationally)
$5 below the national median
per item · Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=nsf; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Return Item Fee | $25.00 per item" · Source

ATM & CardVerified

Debit Card Replacement Fee$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=card_replacement; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Debit Card Replacement Fee | $5.00 per card" · Source
Non-owned ATM Cash Withdrawals$2Within the typical range ($1–$2.50 nationally)
$0.50 above the national median
per transaction · Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=atm_non_network; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Non-owned ATM Cash Withdrawals | $2.00 per transaction" · Source
SWECU Owned ATM$0Below the typical range ($1–$2.50 nationally)
$1.50 below the national median
Knox read a free fee from Rosetta artifact #7937. canonical_hint=atm_non_network; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="SWECU Owned ATM | FREE" · Source

Wire TransfersVerified

Wire Transfer Fee (Incoming)$5Within the typical range ($5–$15 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=wire_domestic_incoming; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Wire Transfer Fee (Incoming) | $5.00" · Source
Wire Transfer Fee (Outgoing): Domestic$20Within the typical range ($20–$25 nationally)
$2.50 below the national median
Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=wire_domestic_outgoing; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Domestic | $20.00" · Source

Check ServicesVerified

Non-member check cashing fee over$10Within the typical range ($5–$10 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=check_cashing; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Non-member check cashing fee over $5,000.00 | $10.00" · Source
Non-member check cashing fee up to$5Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=check_cashing; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Non-member check cashing fee up to $4,999.99 | $5.00" · Source
Non-member check exchange for official check$10Above the typical range ($3–$5.50 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=cashiers_check; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Non-member check exchange for official check | $10.00" · Source
Stop Payment Fee$30Within the typical range ($20–$30 nationally)
$3 above the national median
per item · Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=stop_payment; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Stop Payment Fee | $30.00 per item" · Source
Tellers Checks (in excess of one free per month)$1Below the typical range ($3–$5.50 nationally)
$4 below the national median
per month · Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=cashiers_check; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Tellers Checks (in excess of one free per month) | $1.00 per check" · Source
Temporary Checks/Set of 6$2Within the typical range ($1–$4 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=counter_check; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Temporary Checks/Set of 6 | $2.00 per set" · Source

Account ServicesVerified

Notary Service$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Knox read a free fee from Rosetta artifact #7937. canonical_hint=notary_fee; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Notary Service | FREE" · Source
Safety Deposit Box Drill Fee$125Above the typical range ($25–$75 nationally)
$82.50 above the national median
Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=safe_deposit_box; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Safety Deposit Box Drill Fee | $125.00" · Source
Verification of Account Requests$5Below the typical range ($8.98–$16.75 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=account_verification; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Verification of Account Requests | $5.00 per request" · Source

Other FeesVerified

Photocopy of Share Draft (in excess of two per month)$2Within the typical range ($2–$5 nationally)
$1 below the national median
per month · Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=document_reproduction; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Photocopy of Share Draft (in excess of two per month) | $2.00 per copy" · Source
Statement Copies$1Below the typical range ($2–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=document_reproduction; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Statement Copies | $1.00 per page" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Research Fee (one hour minimum)	$30Above the typical range ($17.50–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=account_research; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Research Fee (one hour minimum) \| $30.00 per hour"	Source
Share Draft Minimum Balance Fee (must maintain a balance of at all times)	$6Within the typical range ($5–$10 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=minimum_balance; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Share Draft Minimum Balance Fee (must maintain a balance of $400 at all times) \| $6.00 per statement cycle"	Source
Overdraft & NSFVerified
Non-Sufficient Funds (NSF)/Courtesy Pay Fee Preauthorized Payments	$25Within the typical range ($25–$30 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=overdraft; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="*Non-Sufficient Funds (NSF)/Courtesy Pay Fee Preauthorized Payments \| $25.00 per items"	Source
Non-Sufficient Funds Fee (NSF/Courtesy Pay Fee)
ATM & CardVerified
Debit Card Replacement Fee	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=card_replacement; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Debit Card Replacement Fee \| $5.00 per card"	Source
Non-owned ATM Cash Withdrawals
Wire TransfersVerified
Wire Transfer Fee (Incoming)	$5Within the typical range ($5–$15 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=wire_domestic_incoming; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Wire Transfer Fee (Incoming) \| $5.00"	Source
Wire Transfer Fee (Outgoing): Domestic
Check ServicesVerified
Non-member check cashing fee over	$10Within the typical range ($5–$10 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=check_cashing; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Non-member check cashing fee over $5,000.00 \| $10.00"	Source
Non-member check cashing fee up to
Account ServicesVerified
Notary Service	$0Within the typical range ($0–$5 nationally)	$2.50 below the national median	—	Knox read a free fee from Rosetta artifact #7937. canonical_hint=notary_fee; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Notary Service \| FREE"	Source
Safety Deposit Box Drill Fee	$125
Other FeesVerified
Photocopy of Share Draft (in excess of two per month)	$2Within the typical range ($2–$5 nationally)	$1 below the national median	per month	Knox deterministic extraction from Rosetta artifact #7937. canonical_hint=document_reproduction; text_hash=e364f2c999256240e51395f7dca5a1308630ddb622b3e71ff67243384387f600; excerpt="Photocopy of Share Draft (in excess of two per month) \| $2.00 per copy"	Source
Statement Copies

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$71.7M

Total deposits

$57.6M

Service charge income (year to date)

$312K

Fee income ratio

15.0%

Return on assets

2.26%

Scott And White Employees Federal Credit Union

Published fees

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How the headline fees compare

Size and fee revenue

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings