Bowater Employees Federal Credit Union

Headquarters: Calhoun, Tennessee
Charter: Credit Union
Assets: $302.6M
Fed district: Atlanta
Regulator: NCUA

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

Source: its fee schedule, read Oct 30, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Premium Interest Share Draft Account $5 · Fresh Start Share Draft Account $10
Compared at $7.50, the middle of its prices
Bowater Employees Federal Credit Union: $5 to $10
Bowater Employees Federal Credit Union: $5 to $10
U.S. median: no median
Overdraft (OD)
Bowater Employees Federal Credit Union: $29
Bowater Employees Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
Bowater Employees Federal Credit Union: $29
Bowater Employees Federal Credit Union: $29
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 30, 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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Among its peers

Bowater Employees Federal Credit Union · $303M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Credit unions only
$292M to $315M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Bowater Employees Federal Credit Union(this institution)	Calhoun, TN	$303M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Advantage Plus Federal Credit Union	Pocatello, ID	$292M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alive Federal Credit Union	Jacksonville, FL	$296M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bangor Federal Credit Union	Bangor, ME	$293M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bronco Federal Credit Union	Franklin, VA	$292M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Cross Valley Federal Credit Union	Wilkes Barre, PA	$300M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Holyoke Federal Credit Union	Holyoke, MA	$296M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Homebase Federal Credit Union	Prince George, VA	$298M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Intrepid Federal Credit Union	Helena, MT	$311M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Jetstream Federal Credit Union	Miami Lakes, FL	$307M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kalsee Federal Credit Union	Kalamazoo, MI	$292M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Lookout Federal Credit Union	Pocatello, ID	$314M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Loyalty Federal Credit Union	Pensacola, FL	$300M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Members1St Community Federal Credit Union	Marshalltown, IA	$311M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Membersalliance Federal Credit Union	Rockford, IL	$304M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mtc Federal Credit Union	Greenville, SC	$303M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New Horizons Federal Credit Union	Mobile, AL	$304M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Northwest Plus Federal Credit Union	Everett, WA	$315M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Oc Federal Credit Union	Garfield Hts, OH	$315M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Otis Federal Credit Union	Jay, ME	$300M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peninsula Community Federal Credit Union	Shelton, WA	$304M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Santa Barbara Teachers Federal Credit Union	Santa Barbara, CA	$308M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Tct Federal Credit Union	Ballston Spa, NY	$296M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
United Federal Credit Union	Mexico, MO	$302M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Valley Communities Federal Credit Union	Mosinee, WI	$307M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
Zia Federal Credit Union	Los Alamos, NM	$308M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

15 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.75 (11%) above the median of similar-sized credit unions.

Compared at $7.50, the middle of its two prices, against a peer median of $6.75 among 10 publishing peers.

Its two checking prices are $5 and $10.

$7.50 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Bowater Employees Federal…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Bowater Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Fresh Start Share Draft Account Monthly service charge$10
per month
Premium Interest Share Draft Account Monthly service charge$5
per month · if minimum balance of $500.00 is not met
Early Account Closing Fee$25
Dormant Account Fee$5
per month
Account Reconciliation$12
Not compared: Monthly charge, not per item
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Statement Fee$2

Overdraft & NSF

Courtesy Pay$29
per item
Non-Sufficient Funds (NSF)$29
per item

ATM & Card

Visa TravelMoney Card replacement$5
per item

Wire Transfers

Wire Transfer: Outgoing$20
per item

Check Services

Certified Check$1
per item
Certified Check for Nonmembers$10
per item
Stop Payment$29
per item

Cash & Deposit

Personal D/B/A Share Draft Returned Deposit Item$7
per item

Account Services

Notary Fee$10
Garnishment / Levy / Legal Processing$50

Gift & Prepaid Cards

Visa Gift Card$3.50
per item
Visa TravelMoney Card reload$2

Fee	Amount	Basis	Note
Account Maintenance
Fresh Start Share Draft Account Monthly service charge	$10	per month	None
Premium Interest Share Draft Account Monthly service charge	$5	per month	if minimum balance of $500.00 is not met
Early Account Closing Fee	$25	Not stated	None
Dormant Account Fee	$5	per month	None
Account Reconciliation	$12Not compared: Monthly charge, not per item	per month	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Statement Fee	$2	Not stated	None
Overdraft & NSF
Courtesy Pay	$29	per item	None
Non-Sufficient Funds (NSF)	$29	per item	None
ATM & Card
Visa TravelMoney Card replacement	$5	per item	None
Wire Transfers
Wire Transfer: Outgoing	$20	per item	None
Check Services
Certified Check	$1	per item	None
Certified Check for Nonmembers	$10	per item	None
Stop Payment	$29	per item	None
Cash & Deposit
Personal D/B/A Share Draft Returned Deposit Item	$7	per item	None
Account Services
Notary Fee	$10	Not stated	None
Garnishment / Levy / Legal Processing	$50	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$3.50	per item	None
Visa TravelMoney Card reload	$2	Not stated	None

Correct a fee source

Oct 30, 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.

Fee change alerts

Get an email when Bowater Employees Federal Credit Union's ach origination changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Monthly Maintenance
Premium Interest Share Draft Account $5 · Fresh Start Share Draft Account $10
Compared at $7.50, the middle of its prices
Bowater Employees Federal Credit Union: $5 to $10
Bowater Employees Federal Credit Union: $5 to $10
U.S. median: no median
Overdraft (OD)
Bowater Employees Federal Credit Union: $29
Bowater Employees Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
Bowater Employees Federal Credit Union: $29
Bowater Employees Federal Credit Union: $29
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 30, 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.

Among its peers

Bowater Employees Federal Credit Union · $303M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Credit unions only
$292M to $315M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Bowater Employees Federal Credit Union(this institution)	Calhoun, TN	$303M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Advantage Plus Federal Credit Union	Pocatello, ID	$292M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alive Federal Credit Union	Jacksonville, FL	$296M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bangor Federal Credit Union	Bangor, ME	$293M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bronco Federal Credit Union	Franklin, VA	$292M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Cross Valley Federal Credit Union	Wilkes Barre, PA	$300M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Holyoke Federal Credit Union	Holyoke, MA	$296M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Homebase Federal Credit Union	Prince George, VA	$298M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Intrepid Federal Credit Union	Helena, MT	$311M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Jetstream Federal Credit Union	Miami Lakes, FL	$307M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kalsee Federal Credit Union	Kalamazoo, MI	$292M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Lookout Federal Credit Union	Pocatello, ID	$314M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Loyalty Federal Credit Union	Pensacola, FL	$300M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Members1St Community Federal Credit Union	Marshalltown, IA	$311M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Membersalliance Federal Credit Union	Rockford, IL	$304M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mtc Federal Credit Union	Greenville, SC	$303M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New Horizons Federal Credit Union	Mobile, AL	$304M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Northwest Plus Federal Credit Union	Everett, WA	$315M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Oc Federal Credit Union	Garfield Hts, OH	$315M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Otis Federal Credit Union	Jay, ME	$300M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peninsula Community Federal Credit Union	Shelton, WA	$304M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Santa Barbara Teachers Federal Credit Union	Santa Barbara, CA	$308M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Tct Federal Credit Union	Ballston Spa, NY	$296M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
United Federal Credit Union	Mexico, MO	$302M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Valley Communities Federal Credit Union	Mosinee, WI	$307M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
Zia Federal Credit Union	Los Alamos, NM	$308M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

15 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.75 (11%) above the median of similar-sized credit unions.

Compared at $7.50, the middle of its two prices, against a peer median of $6.75 among 10 publishing peers.

Its two checking prices are $5 and $10.

$7.50 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Bowater Employees Federal…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Bowater Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Fresh Start Share Draft Account Monthly service charge$10
per month
Premium Interest Share Draft Account Monthly service charge$5
per month · if minimum balance of $500.00 is not met
Early Account Closing Fee$25
Dormant Account Fee$5
per month
Account Reconciliation$12
Not compared: Monthly charge, not per item
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Statement Fee$2

Overdraft & NSF

Courtesy Pay$29
per item
Non-Sufficient Funds (NSF)$29
per item

ATM & Card

Visa TravelMoney Card replacement$5
per item

Wire Transfers

Wire Transfer: Outgoing$20
per item

Check Services

Certified Check$1
per item
Certified Check for Nonmembers$10
per item
Stop Payment$29
per item

Cash & Deposit

Personal D/B/A Share Draft Returned Deposit Item$7
per item

Account Services

Notary Fee$10
Garnishment / Levy / Legal Processing$50

Gift & Prepaid Cards

Visa Gift Card$3.50
per item
Visa TravelMoney Card reload$2

Fee	Amount	Basis	Note
Account Maintenance
Fresh Start Share Draft Account Monthly service charge	$10	per month	None
Premium Interest Share Draft Account Monthly service charge	$5	per month	if minimum balance of $500.00 is not met
Early Account Closing Fee	$25	Not stated	None
Dormant Account Fee	$5	per month	None
Account Reconciliation	$12Not compared: Monthly charge, not per item	per month	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Statement Fee	$2	Not stated	None
Overdraft & NSF
Courtesy Pay	$29	per item	None
Non-Sufficient Funds (NSF)	$29	per item	None
ATM & Card
Visa TravelMoney Card replacement	$5	per item	None
Wire Transfers
Wire Transfer: Outgoing	$20	per item	None
Check Services
Certified Check	$1	per item	None
Certified Check for Nonmembers	$10	per item	None
Stop Payment	$29	per item	None
Cash & Deposit
Personal D/B/A Share Draft Returned Deposit Item	$7	per item	None
Account Services
Notary Fee	$10	Not stated	None
Garnishment / Levy / Legal Processing	$50	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$3.50	per item	None
Visa TravelMoney Card reload	$2	Not stated	None

Correct a fee source

Oct 30, 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.