Smart Financial Federal Credit Union

Headquarters: Houston, Texas
Charter: Credit Union
Assets: $807.5M
Fed district: Dallas

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

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $12.50, the middle of its prices
Smart Financial Federal Credit Union: $10 to $15
Smart Financial Federal Credit Union: $10 to $15
U.S. median: no median
Overdraft (OD)
Smart Financial Federal Credit Union: $32
Smart Financial Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Smart Financial Federal Credit Union: $10
Smart Financial Federal Credit Union: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 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 Smart Financial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$15
per month
Monthly service charge$10
per month
Inactive Account$10
per month
Legal Research and Reconciliation$25
per item
Paper Statement$2
Incorrect Address$10

Overdraft & NSF

Discretionary Overdraft Protection Fee$32
per item
Non-Sufficient Funds/NSF$10
per item

ATM & Card

Replacement Debit Card$5
Currency Conversion Fee (Debit Card)1%

Wire Transfers

Wire Transfer (Domestic)$25
Wire Transfer (International)$50

Check Services

Official Check$5
per item
Money Orders$5
per item
Stop Payment (Checks/ACH items)$10
per item
Temporary Checks (starters free)$8
Collection Item (Domestic)$20
Collection Item (International)$30
Check (paid) Copy (per check)$5
per item

Cash & Deposit

Returned Deposit Item$10

Account Services

Notary Service (non-member)$10
Safe Deposit Box 10 x 10$95
per year
Safe Deposit Box 3 x 10$40
per year
Safe Deposit Box 3 x 5$25
per year
Safe Deposit Box 5 x 10$60
per year
Safe Deposit Box Drill$350
Not compared: Box drilling or key fee
Tax Levies and Garnishments$50

Lending Fees

Late Payment5%($5 minimum, $30 maximum)

Retirement & IRA

IRA Transfer Out/Close$25

Other Fees

Official Document Copy$5
Statement Copy (per statement)$5
Loan Application Fee (Consumer LOC)$25
Refinance Fee (existing SFCU Auto Loan)$250

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$15	per month	None
Monthly service charge	$10	per month	None
Inactive Account	$10	per month	None
Legal Research and Reconciliation	$25	per item	None
Paper Statement	$2	Not stated	None
Incorrect Address	$10	Not stated	None
Overdraft & NSF
Discretionary Overdraft Protection Fee	$32	per item	None
Non-Sufficient Funds/NSF	$10	per item	None
ATM & Card
Replacement Debit Card	$5	Not stated	None
Currency Conversion Fee (Debit Card)	1%	Not stated	None
Wire Transfers
Wire Transfer (Domestic)	$25	Not stated	None
Wire Transfer (International)	$50	Not stated	None
Check Services
Official Check	$5	per item	None
Money Orders	$5	per item	None
Stop Payment (Checks/ACH items)	$10	per item	None
Temporary Checks (starters free)	$8	Not stated	None
Collection Item (Domestic)	$20	Not stated	None
Collection Item (International)	$30	Not stated	None
Check (paid) Copy (per check)	$5	per item	None
Cash & Deposit
Returned Deposit Item	$10	Not stated	None
Account Services
Notary Service (non-member)	$10	Not stated	None
Safe Deposit Box 10 x 10	$95	per year	None
Safe Deposit Box 3 x 10	$40	per year	None
Safe Deposit Box 3 x 5	$25	per year	None
Safe Deposit Box 5 x 10	$60	per year	None
Safe Deposit Box Drill	$350Not compared: Box drilling or key fee	Not stated	None
Tax Levies and Garnishments	$50	Not stated	None
Lending Fees
Late Payment	5%($5 minimum, $30 maximum)	Not stated	None
Retirement & IRA
IRA Transfer Out/Close	$25	Not stated	None
Other Fees
Official Document Copy	$5	Not stated	None
Statement Copy (per statement)	$5	Not stated	None
Loan Application Fee (Consumer LOC)	$25	Not stated	None
Refinance Fee (existing SFCU Auto Loan)	$250	Not stated	None

Correct a fee source

Nov 4, 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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