Bcbst Employees Federal Credit Union

Headquarters: Chattanooga, Tennessee
Charter: Credit Union
Assets: $8.3M
Fed district: Atlanta

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

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

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

NSF / Returned Item
Bcbst Employees Federal Credit Union: $35
Bcbst Employees Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Bcbst Employees Federal Credit Union: $1
Bcbst Employees Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Bcbst Employees Federal Credit Union: $20
Bcbst Employees Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

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

Account Maintenance

Closed Account Within 6 Months of Opening$10
Dormant Account Charge (Balance less than $25 and more than 1 year with no activity)$10
Not compared: Annual charge, not monthly
per year
Records Research ($15.00 minimum)$15
Paper Statement Fee (if not enrolled in e-Statements)$3

Overdraft & NSF

NSF Fees$35
Overdraft Protection Transfers$5

ATM & Card

ATM Withdrawals$1
per item
Re-Issue ATM / Mastercard Check Card$5

Wire Transfers

Outgoing Wire Transfers$20
Incoming Wire Transfers$10

Check Services

Cashier Checks$5
Money Orders (Cameron Hill only)$1
Stop Pay Fee$35
Photocopy of a Check (Less than 6 months old)$2
Photocopy of a Check (Over 6 months old)$5
Photocopy of Money Orders$5

Lending Fees

Late Payment Fee (Monthly Service Charge)5%($5 minimum)
per month
Late Payment Fee (Monthly Service Charge) (audience not stated, treated as personal)5%($5 minimum)
per month

Retirement & IRA

IRA Early Withdrawal Service Fee (Under 59½ years old)$25

Other Fees

Duplicate Copy of Previous Year’s Statement$5
Duplicate Copy of Same Year’s Statement$3.50
Duplicate Copy of Statement 2005 and Older$5
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Closed Account Within 6 Months of Opening	$10	Not stated	None
Dormant Account Charge (Balance less than $25 and more than 1 year with no activity)	$10Not compared: Annual charge, not monthly	per year	None
Records Research ($15.00 minimum)	$15	Not stated	None
Paper Statement Fee (if not enrolled in e-Statements)	$3	Not stated	None
Overdraft & NSF
NSF Fees	$35	Not stated	None
Overdraft Protection Transfers	$5	Not stated	None
ATM & Card
ATM Withdrawals	$1	per item	None
Re-Issue ATM / Mastercard Check Card	$5	Not stated	None
Wire Transfers
Outgoing Wire Transfers	$20	Not stated	None
Incoming Wire Transfers	$10	Not stated	None
Check Services
Cashier Checks	$5	Not stated	None
Money Orders (Cameron Hill only)	$1	Not stated	None
Stop Pay Fee	$35	Not stated	None
Photocopy of a Check (Less than 6 months old)	$2	Not stated	None
Photocopy of a Check (Over 6 months old)	$5	Not stated	None
Photocopy of Money Orders	$5	Not stated	None
Lending Fees
Late Payment Fee (Monthly Service Charge)	5%($5 minimum)	per month	None
Late Payment Fee (Monthly Service Charge) (audience not stated, treated as personal)	5%($5 minimum)	per month	None
Retirement & IRA
IRA Early Withdrawal Service Fee (Under 59½ years old)	$25	Not stated	None
Other Fees
Duplicate Copy of Previous Year’s Statement	$5	Not stated	None
Duplicate Copy of Same Year’s Statement	$3.50	Not stated	None
Duplicate Copy of Statement 2005 and Older	$5Not compared: Charged per page; comparison unavailable	per page	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

Nov 3, 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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