First Community Federal Credit Union

Headquarters: Chesterfield, Missouri
Charter: Credit Union
Assets: $5.0B
Fed district: St. Louis

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

Monthly Maintenance
Checking I Account
First Community Federal Credit Union: $10
First Community Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
First Community Federal Credit Union: $27.50
First Community Federal Credit Union: $27.50
U.S. median: no median
NSF / Returned Item
First Community Federal Credit Union: $27.50
First Community Federal Credit Union: $27.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis 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).
Missouri: Banks and credit unions headquartered in Missouri that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 First Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Checking I Account Monthly service charge (audience not stated, treated as personal)$10
per month
Member Account Inactivity Service Charge$5
per month
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Research...................................................$20.00 per hour
Invalid Address Service Charge$5
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

ATM/Debit Overdraft Charge$27.50
per item
Paid NSF Item (audience not stated, treated as personal)$27.50
per item
Return Items Return NSF Item$27.50
EFT Overdraft Transfer Charge$2
per item
EFT Overdraft Transfer Charge$2
Not compared: Daily charge, not per item
per day

ATM & Card

ATM/Debit Card (ATM owner-imposed surcharges may apply.) Foreign ATM Transactions$1
per item
Foreign ATM Transactions$1
per transaction
Foreign ATM Transactions (audience not stated, treated as personal)$1
per item
Card Replacement Charge$5
per item
Card Rush Charge (domestic)$60
per item

Wire Transfers

Outgoing Domestic Wire$20
per item
Wire Transactions Outgoing Domestic Wire (audience not stated, treated as personal)$20
Not compared: Annual charge, not per item
per year

Check Services

Cash On-Us Check/Cashier’s Check (audience not stated, treated as personal)$5
per item
Cashier's Check$5
per item
Cashier's Check (more than 2)$2
per item
Delete Stop Payment$27.50
per item
Stop Payment on Check or ACH$27.50
per item
Foreign Check Deposit ($10,000 or more)$125
ACH Check Copy/Research$2
Not compared: Charged per document; comparison unavailable
per document · ACH Check Copy/Research............................. $2.00 per document
Check Copy$2
per item

Digital & Electronic

Expedited Bill Pay Check (2-Day Delivery)$19.95
Not compared: Per-item charge, not monthly
per item
EXPRESSnet Online Bill Payment ServiceNo charge

Cash & Deposit

Returned Deposited Item$13
per item

Account Services

Safe Deposit Box 10x10$75
per year
Safe Deposit Box 10x10 (audience not stated, treated as personal)$75
per year
Safe Deposit Box 3x10$30
per year
Safe Deposit Box 3x10 (audience not stated, treated as personal)$30
per year
Safe Deposit Box 3x5$15
per year
Safe Deposit Box 3x5 (audience not stated, treated as personal)$15
per year
Safe Deposit Box 5x10$45
per year
Safe Deposit Box 5x10 (audience not stated, treated as personal)$45
per year
Safe Deposit Box Late Payment Charge$10
Not compared: Box drilling or key fee
per year
Safe Deposit Box: Replace Lock (audience not stated, treated as personal)$125
Not compared: Box drilling or key fee
Safe Deposit Box2 3x5 (audience not stated, treated as personal)$15
per item

Other Fees

Statement Copy$1.50
Not compared: Charged per statement; comparison unavailable
per statement · Statement Copy ............................................... $1.50 per statement

Fee	Amount	Basis	Note
Account Maintenance
Checking I Account Monthly service charge (audience not stated, treated as personal)	$10	per month	None
Member Account Inactivity Service Charge	$5	per month	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Research...................................................$20.00 per hour
Invalid Address Service Charge	$5Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
ATM/Debit Overdraft Charge	$27.50	per item	None
Paid NSF Item (audience not stated, treated as personal)	$27.50	per item	None
Return Items Return NSF Item	$27.50	Not stated	None
EFT Overdraft Transfer Charge	$2	per item	None
EFT Overdraft Transfer Charge	$2Not compared: Daily charge, not per item	per day	None
ATM & Card
ATM/Debit Card (ATM owner-imposed surcharges may apply.) Foreign ATM Transactions	$1	per item	None
Foreign ATM Transactions	$1	per transaction	None
Foreign ATM Transactions (audience not stated, treated as personal)	$1	per item	None
Card Replacement Charge	$5	per item	None
Card Rush Charge (domestic)	$60	per item	None
Wire Transfers
Outgoing Domestic Wire	$20	per item	None
Wire Transactions Outgoing Domestic Wire (audience not stated, treated as personal)	$20Not compared: Annual charge, not per item	per year	None
Check Services
Cash On-Us Check/Cashier’s Check (audience not stated, treated as personal)	$5	per item	None
Cashier's Check	$5	per item	None
Cashier's Check (more than 2)	$2	per item	None
Delete Stop Payment	$27.50	per item	None
Stop Payment on Check or ACH	$27.50	per item	None
Foreign Check Deposit ($10,000 or more)	$125	Not stated	None
ACH Check Copy/Research	$2Not compared: Charged per document; comparison unavailable	per document	ACH Check Copy/Research............................. $2.00 per document
Check Copy	$2	per item	None
Digital & Electronic
Expedited Bill Pay Check (2-Day Delivery)	$19.95Not compared: Per-item charge, not monthly	per item	None
EXPRESSnet Online Bill Payment Service	No charge	Not stated	None
Cash & Deposit
Returned Deposited Item	$13	per item	None
Account Services
Safe Deposit Box 10x10	$75	per year	None
Safe Deposit Box 10x10 (audience not stated, treated as personal)	$75	per year	None
Safe Deposit Box 3x10	$30	per year	None
Safe Deposit Box 3x10 (audience not stated, treated as personal)	$30	per year	None
Safe Deposit Box 3x5	$15	per year	None
Safe Deposit Box 3x5 (audience not stated, treated as personal)	$15	per year	None
Safe Deposit Box 5x10	$45	per year	None
Safe Deposit Box 5x10 (audience not stated, treated as personal)	$45	per year	None
Safe Deposit Box Late Payment Charge	$10Not compared: Box drilling or key fee	per year	None
Safe Deposit Box: Replace Lock (audience not stated, treated as personal)	$125Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box2 3x5 (audience not stated, treated as personal)	$15	per item	None
Other Fees
Statement Copy	$1.50Not compared: Charged per statement; comparison unavailable	per statement	Statement Copy ............................................... $1.50 per statement

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

Nov 2, 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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