Bay Cities Credit Union

Headquarters: Hayward, California
Charter: Credit Union
Assets: $77.6M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

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

Monthly Maintenance
1st Checking $5 · Dividend Checking $5 · Star Checking $5 · Express Checking $5 to $10
Compared at $5, the middle of its prices
Bay Cities Credit Union: $5 to $10
Bay Cities Credit Union: $5 to $10
U.S. median: no median
NSF / Returned Item
Bay Cities Credit Union: $25
Bay Cities Credit Union: $25
U.S. median: no median
Non-Network ATM
Bay Cities Credit Union: $1
Bay Cities Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for California, the San Francisco 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).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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 Bay Cities Credit Union’s own schedules, with a source for each figure.

Account Maintenance

1st Checking Monthly Fee$5
per month · without e-Statements
Dividend Checking Monthly Fee$5
per month
Express Checking Monthly Fee (audience not stated, treated as personal)$5
per month · with e-Statements OR Direct Deposit
Express Checking Monthly Fee$10
per month · without e-Statements & Direct Deposit
Star Checking Monthly Fee$5
per month · with either e-Statements or Direct Deposit
Below Minimum Balance - Savings/Money Market$5
per month
Closed account$10
Escheat Letter Fee$2
per item
Inactivity Fee$5
per month · after 12 months of no activity
Club Accounts - Excess Withdrawal Fee$5
per item · for every withdrawal over 1 per year
Credit Report Research Fee$25
per item
Fax Request$3
Reg. D Excessive Transaction$5

Overdraft & NSF

Returned checks non-sufficient funds$25
per item
Automatic Overdraft Fee - Express Checking Share Savings Transfer$1
per item · for each share savings transfer
Automatic Overdraft Fee - Line of Credit TransferNo charge
per item · Transfer from Automatic Overdraft Line of Credit Loans

ATM & Card

ATM Transaction Fee - Savings Account$1
per item · for every withdrawal over 6 per quarter; No charge with balance of $1,000 or minimum $25 payroll deduction/direct deposit
ATM transaction fee on savings account$1
Lost ATM or Visa Debit Card Replacement$5
per item

Wire Transfers

Wire Transfer - USA$20
per item

Check Services

Cashier's Checks Issued to Non-Members$20
per item
Cashier's Checks Payable to 2nd Party$5
per item · No charge for members with a combined balance of $1,000
Credit Union Cashier’s Checks$20
per item
Online Bill Pay Stop Payment$30
per item
Stop payment$20
per item
Stop payment of Credit Union Cashier’s Checks$20
per item
Check cashing fee (audience not stated, treated as personal)1.5%
CU Service Center - Check Withdrawal$5
per item
Foreign Collection item$20
per item
Copy of paid checks$5
per item

Digital & Electronic

Rejected Automated Clearing House (ACH) Debit$25
per item
Automated Bill Paying Service$5
Not compared: Per-occurrence charge, not monthly
per item · No charge for members with a combined balance of $1,000
Online Bill Pay Check Copy$20
Not compared: Per-occurrence charge, not monthly
per item

Cash & Deposit

Coin counting fee (audience not stated, treated as personal)2%

Account Services

Notary Fee$15
per item
Tax Levies$25
per item
Tax Levy$25
per item
Subordination Fee$100
Verification of Deposit Fee$10
per item

Other Fees

Duplicate statements/printouts$1
Photocopies$0.50
per item
Reconveyance Fee$45

Fee	Amount	Basis	Note
Account Maintenance
1st Checking Monthly Fee	$5	per month	without e-Statements
Dividend Checking Monthly Fee	$5	per month	None
Express Checking Monthly Fee (audience not stated, treated as personal)	$5	per month	with e-Statements OR Direct Deposit
Express Checking Monthly Fee	$10	per month	without e-Statements & Direct Deposit
Star Checking Monthly Fee	$5	per month	with either e-Statements or Direct Deposit
Below Minimum Balance - Savings/Money Market	$5	per month	None
Closed account	$10	Not stated	None
Escheat Letter Fee	$2	per item	None
Inactivity Fee	$5	per month	after 12 months of no activity
Club Accounts - Excess Withdrawal Fee	$5	per item	for every withdrawal over 1 per year
Credit Report Research Fee	$25	per item	None
Fax Request	$3	Not stated	None
Reg. D Excessive Transaction	$5	Not stated	None
Overdraft & NSF
Returned checks non-sufficient funds	$25	per item	None
Automatic Overdraft Fee - Express Checking Share Savings Transfer	$1	per item	for each share savings transfer
Automatic Overdraft Fee - Line of Credit Transfer	No charge	per item	Transfer from Automatic Overdraft Line of Credit Loans
ATM & Card
ATM Transaction Fee - Savings Account	$1	per item	for every withdrawal over 6 per quarter; No charge with balance of $1,000 or minimum $25 payroll deduction/direct deposit
ATM transaction fee on savings account	$1	Not stated	None
Lost ATM or Visa Debit Card Replacement	$5	per item	None
Wire Transfers
Wire Transfer - USA	$20	per item	None
Check Services
Cashier's Checks Issued to Non-Members	$20	per item	None
Cashier's Checks Payable to 2nd Party	$5	per item	No charge for members with a combined balance of $1,000
Credit Union Cashier’s Checks	$20	per item	None
Online Bill Pay Stop Payment	$30	per item	None
Stop payment	$20	per item	None
Stop payment of Credit Union Cashier’s Checks	$20	per item	None
Check cashing fee (audience not stated, treated as personal)	1.5%	Not stated	None
CU Service Center - Check Withdrawal	$5	per item	None
Foreign Collection item	$20	per item	None
Copy of paid checks	$5	per item	None
Digital & Electronic
Rejected Automated Clearing House (ACH) Debit	$25	per item	None
Automated Bill Paying Service	$5Not compared: Per-occurrence charge, not monthly	per item	No charge for members with a combined balance of $1,000
Online Bill Pay Check Copy	$20Not compared: Per-occurrence charge, not monthly	per item	None
Cash & Deposit
Coin counting fee (audience not stated, treated as personal)	2%	Not stated	None
Account Services
Notary Fee	$15	per item	None
Tax Levies	$25	per item	None
Tax Levy	$25	per item	None
Subordination Fee	$100	Not stated	None
Verification of Deposit Fee	$10	per item	None
Other Fees
Duplicate statements/printouts	$1	Not stated	None
Photocopies	$0.50	per item	None
Reconveyance Fee	$45	Not stated	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

Oct 15, 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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