Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, $300M to $1B

Bowater Employees Federal Credit Union

Calhoun, TennesseeCredit UnionAtlanta Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research$30Above the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=account_research; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Account Research | $30.00 / Hour" · Source

Inactive Account Fee | The credit union may assess an Inactivity Fee of up to$10

$5 above the national median

per month · Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=dormant_account; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Inactive Account Fee | The credit union may assess an Inactivity Fee of up to $10 per month for accounts that have had no activity for a year. The fee will be waived under certain " · Source

Mailed Statement Fee$2

$1 below the national median

Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=paper_statement; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Mailed Statement Fee | $2 per statement mailed if member has myBRANCH logon ID. Effective March 1, 2022." · Source

Premium Interest Share Draft Account$5

$0.75 below the national median

Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=minimum_balance; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Premium Interest Share Draft Account | $5.00/ Month if minimum balance of $500.00 is not met" · Source

Overdraft & NSFVerified

Returned Mail Fee$5Below the typical range ($15–$30 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=nsf; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Returned Mail Fee | $5 per returned item. Effective March 1, 2022." · Source

ATM & CardVerified

Visa TravelMoney Card replacement$5Within the typical range ($5–$12 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=card_replacement; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Visa TravelMoney Card replacement | $5.00/card. Waived if card is within month of expiration. Fee deducted from card balance." · Source

Wire TransfersVerified

Wire Transfer: Outgoing$20Within the typical range ($20–$30 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=wire_domestic_outgoing; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Wire Transfer: Outgoing | $20.00 / Transfer" · Source

Check ServicesVerified

Certified Check for Nonmembers$10Within the typical range ($3–$10 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=cashiers_check; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Certified Check for Nonmembers | $10.00 / Check" · Source
Stop Payment$29Within the typical range ($20–$30 nationally)
$4 above the national median
Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=stop_payment; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Stop Payment | $29.00 / Request" · Source

Account ServicesVerified

Garnishment / Levy / Legal Processing$50Within the typical range ($30–$100 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=garnishment_levy; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Garnishment / Levy / Legal Processing | $50" · Source
Notary Fee$10Above the typical range ($0–$5 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=notary_fee; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Notary Fee | $10.00" · Source

Gift & Prepaid CardsVerified

Visa Gift Card$3.50Within the typical range ($3–$5.24 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=gift_card_purchase; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Visa Gift Card | $3.50/card" · Source
Visa TravelMoney Card reload$2Below the typical range ($4.05–$6.49 nationally)
$2.95 below the national median
Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=prepaid_card_reload; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Visa TravelMoney Card reload | $2.00. Fee deducted from card balance." · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$30Above the typical range ($15–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=account_research; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Account Research \| $30.00 / Hour"	Source
Inactive Account Fee \| The credit union may assess an Inactivity Fee of up to	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=dormant_account; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Inactive Account Fee \| The credit union may assess an Inactivity Fee of up to $10 per month for accounts that have had no activity for a year. The fee will be waived under certain "	Source
Mailed Statement Fee	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=paper_statement; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Mailed Statement Fee \| $2 per statement mailed if member has myBRANCH logon ID. Effective March 1, 2022."	Source
Premium Interest Share Draft Account	$5Within the typical range ($5–$20 nationally)	$0.75 below the national median	—	Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=minimum_balance; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Premium Interest Share Draft Account \| $5.00/ Month if minimum balance of $500.00 is not met"	Source
Overdraft & NSFVerified
Returned Mail Fee	$5Below the typical range ($15–$30 nationally)	$20 below the national median	—	Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=nsf; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Returned Mail Fee \| $5 per returned item. Effective March 1, 2022."	Source
ATM & CardVerified
Visa TravelMoney Card replacement	$5Within the typical range ($5–$12 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=card_replacement; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Visa TravelMoney Card replacement \| $5.00/card. Waived if card is within month of expiration. Fee deducted from card balance."	Source
Wire TransfersVerified
Wire Transfer: Outgoing	$20Within the typical range ($20–$30 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=wire_domestic_outgoing; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Wire Transfer: Outgoing \| $20.00 / Transfer"	Source
Check ServicesVerified
Certified Check for Nonmembers	$10Within the typical range ($3–$10 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=cashiers_check; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Certified Check for Nonmembers \| $10.00 / Check"	Source
Stop Payment	$29
Account ServicesVerified
Garnishment / Levy / Legal Processing	$50Within the typical range ($30–$100 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=garnishment_levy; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Garnishment / Levy / Legal Processing \| $50"	Source
Notary Fee	$10
Gift & Prepaid CardsVerified
Visa Gift Card	$3.50Within the typical range ($3–$5.24 nationally)	$0.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #2358. canonical_hint=gift_card_purchase; text_hash=8246fbf1bbd6345d90239d6defd3d422d39dd2f84a6e53c3442fb5cb0562a750; excerpt="Visa Gift Card \| $3.50/card"	Source
Visa TravelMoney Card reload

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

NSF fee: $5

80% below the national median NSF fee

Total fees: 13 — leaner than most institutions

Verified fees

Under review

Assets

$302.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$302.6M

Total deposits

$267.9M

Service charge income (year to date)

$717K

Fee income ratio

6.5%

Return on assets

1.74%

Financial profile · Pro

Performance from regulator filings

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

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