vs. U.S. typical range:LowerTypicalHigher
per month · with e-Statements · Source
$0.50 below the national median
per month · without e-Statements · Source
per month · Source
per item · for every withdrawal over 1 per year · Source
$0.50 below the national median
per month · Source
$5.50 below the national median
per month · with average daily balance of $1000 · Source
$4.50 above the national median
per month · without e-Statements & Direct Deposit · Source
$5.50 below the national median
per month · with e-Statements and Direct Deposit · Source
$0.50 below the national median
per month · with e-Statements OR Direct Deposit · Source
per month · after 12 months of no activity · Source
$0.50 below the national median
per month · with either e-Statements or Direct Deposit · Source
$4.50 above the national median
per month · without e-Statements or Direct Deposit · Source
per item · for each share savings transfer · Source
per item · Transfer from Automatic Overdraft Line of Credit Loans · Source
per item · Source
$3.25 above the national median
per year · Source
$0.75 below the national median
per item · for every withdrawal over 6 per quarter; No charge with balance of $1,000 or minimum $25 payroll deduction/direct deposit · Source
per item · Source
per item · Source
per item · No charge for members with a combined balance of $1,000 · Source
—
per item · 1.5% of face value; No charge for members with combined balance of $1,000 or minimum deposit of $100 · Source
per item · per check exceeding 2 per statement · Source
—
per item · Up to 10 free; 11 or more checks per deposit $0.17 per check · Source
per item · Source
$2.50 below the national median
per item · Source
per item · Source
per item · Source
$0.03 above the national median
per item · No charge for members with a combined balance of $1,000 · Source
$15.03 above the national median
per item · Source
per item · Source
—
per item · 2% of coin run · Source
per item · Source
per item · Source
Swipe for source and notes →
| Fee | Amount | vs national median | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| 1st Checking Monthly Fee | $0Below the typical range ($3–$10 nationally) | $5.50 below the national median | per month | with e-Statements | Source |
| 1st Checking Monthly Fee | $5Within the typical range ($3–$10 nationally) | $0.50 below the national median | per month | without e-Statements | Source |
| Below Minimum Balance - Savings/Money Market | $5Within the typical range ($3–$10 nationally) | At the national median | per month | — | Source |
| Club Accounts - Excess Withdrawal Fee | $5Below the typical range ($20–$25 nationally) | $20 below the national median | per item | for every withdrawal over 1 per year | Source |
| Credit Report research fee | $25Within the typical range ($20–$25 nationally) | At the national median | — | — | Source |
| Dividend Checking Monthly Fee | $5Within the typical range ($3–$10 nationally) | $0.50 below the national median | per month | — | Source |
| Dividend Checking Monthly Fee - Waived | $0Below the typical range ($3–$10 nationally) | $5.50 below the national median | per month | with average daily balance of $1000 | Source |
| Escheat Letter Fee | $2Below the typical range ($5–$10 nationally) | $3 below the national median | — | — | Source |
| Express Checking Monthly Fee | $10Within the typical range ($3–$10 nationally) | $4.50 above the national median | per month | without e-Statements & Direct Deposit | Source |
| Express Checking Monthly Fee | $0Below the typical range ($3–$10 nationally) | $5.50 below the national median | per month | with e-Statements and Direct Deposit | Source |
| Express Checking Monthly Fee | $5Within the typical range ($3–$10 nationally) | $0.50 below the national median | per month | with e-Statements OR Direct Deposit | Source |
| Inactivity Fee | $5Within the typical range ($5–$10 nationally) | At the national median | per month | after 12 months of no activity | Source |
| Star Checking Monthly Fee | $5Within the typical range ($3–$10 nationally) | $0.50 below the national median | per month | with either e-Statements or Direct Deposit | Source |
| Star Checking Monthly Fee | $10Within the typical range ($3–$10 nationally) | $4.50 above the national median | per month | without e-Statements or Direct Deposit | Source |
Overdraft & NSFVerified | |||||
| Automatic Overdraft Fee - Express Checking Share Savings Transfer | $1Below the typical range ($3–$5 nationally) | $4 below the national median | per item | for each share savings transfer | Source |
| Automatic Overdraft Fee - Line of Credit Transfer | $0 | ||||
ATM & CardVerified | |||||
| ATM savings account access only | $5Above the typical range ($1–$2.50 nationally) | $3.25 above the national median | per year | — | Source |
| ATM Transaction Fee - Savings Account | $1 | ||||
Wire TransfersVerified | |||||
| Wire Transfer - Foreign | $30Below the typical range ($40–$50 nationally) | $20 below the national median | per item | — | Source |
| Wire Transfer - USA | $20 | ||||
Check ServicesVerified | |||||
| Cashier's Checks Issued to Non-Members | $20Above the typical range ($3–$5.50 nationally) | $15 above the national median | per item | — | Source |
| Cashier's Checks Payable to 2nd Party | $5 | ||||
Digital & ElectronicVerified | |||||
| Account or Bill Pay research or reconciliation | $50Above the typical range ($0–$11.48 nationally) | $45.03 above the national median | — | — | Source |
| Automated Bill Paying Service | $5 | ||||
Cash & DepositVerified | |||||
| Coin Counting Fee | — | — | per item | 2% of coin run | Source |
Account ServicesVerified | |||||
| Notary Fee | $15Above the typical range ($0–$5 nationally) | $12.50 above the national median | — | — | Source |
| Tax Levies | $25Below the typical range ($30–$75 nationally) | ||||
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Headline fees vs. national median
Headline fees published
10 of 15
Published fees
44
Under review
0
Assets
$77.6M
Work at Bay Cities Credit Union? See every fee vs. your peers.
Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$77.6M
Total deposits
$67.4M
Service charge income (year to date)
$73K
Fee income ratio
3.2%
Return on assets
0.99%
Financial profile · Pro
Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| $5 below the national median |
| per item |
| Transfer from Automatic Overdraft Line of Credit Loans |
| Source |
| Returned checks non-sufficient funds | $25Within the typical range ($25–$31 nationally) | $5 below the national median | per item | — | Source |
| $0.75 below the national median |
| per item |
| for every withdrawal over 6 per quarter; No charge with balance of $1,000 or minimum $25 payroll deduction/direct deposit |
| Source |
| Lost ATM or Visa Debit Card Replacement | $5Within the typical range ($5–$10 nationally) | $5 below the national median | per item | — | Source |
| $5 below the national median |
| per item |
| — |
| Source |
| At the national median |
| per item |
| No charge for members with a combined balance of $1,000 |
| Source |
| Check Cashing Fee | — | — | per item | 1.5% of face value; No charge for members with combined balance of $1,000 or minimum deposit of $100 | Source |
| Copy of Paid Checks | $5Within the typical range ($2–$5 nationally) | $2 above the national median | per item | per check exceeding 2 per statement | Source |
| CU Service Center - Check Deposits Fee | — | — | per item | Up to 10 free; 11 or more checks per deposit $0.17 per check | Source |
| CU Service Center - Check Withdrawal | $5Within the typical range ($5–$10 nationally) | At the national median | per item | — | Source |
| CU Service Center - Photocopies | $0.50Below the typical range ($2–$5 nationally) | $2.50 below the national median | per item | — | Source |
| Online Bill Pay Stop Payment | $30Within the typical range ($20–$30 nationally) | $4 above the national median | per item | — | Source |
| Online Bill Pay stop payment charge | $30Within the typical range ($20–$30 nationally) | $4 above the national median | — | — | Source |
| Stop payment | $20Within the typical range ($20–$30 nationally) | $6 below the national median | per item | — | Source |
| $0.03 above the national median |
| per item |
| No charge for members with a combined balance of $1,000 |
| Source |
| Online Bill Pay Check Copy | $20Above the typical range ($0–$11.48 nationally) | $15.03 above the national median | per item | — | Source |
| Rejected Automated Clearing House (ACH) Debit | $25Above the typical range ($5–$20 nationally) | $15 above the national median | per item | — | Source |
| $25 below the national median |
| — |
| — |
| Source |
| Tax Levy | $25Below the typical range ($30–$75 nationally) | $25 below the national median | per item | — | Source |
| Verification of Deposit Fee | $10Within the typical range ($10–$15 nationally) | At the national median | per item | — | Source |