Bellco Federal Credit Union

Headquarters: Greenwood Village, Colorado
Charter: Credit Union
Assets: $8.5B
Fed district: Kansas City

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

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

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

Monthly Maintenance
MAX Checking $3.95 · Platinum Checking $12
Compared at $7.98, the middle of its prices
Bellco Federal Credit Union: $3.95 to $12
Bellco Federal Credit Union: $3.95 to $12
U.S. median: no median
Overdraft (OD)
Bellco Federal Credit Union: $28
Bellco Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Bellco Federal Credit Union: $28
Bellco Federal Credit Union: $28
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Colorado, the Kansas City 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).
Colorado: Banks and credit unions headquartered in Colorado that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 Bellco Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

MAX Checking Fee (per month)$3.95
per month
Platinum Checking Fee$12
Money Market Low Balance Fee$10
Early Account Closure Fee$25
Inactivity Fee$5
Account Reconciliation Fee (Hourly)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$2
Returned Mail Fee$3

Overdraft & NSF

Overdraft Fee$28
Insufficient Funds Fee (to include ACH and Check transactions $25 or more)$28

ATM & Card

Plastic Card Replacement (Per Card)$6
per item
Rush Order on Plastic Cards$45

Check Services

Official/Cashier’s Check (Free with Platinum Checking)$5
Money Orders (Free with Platinum Checking)$5
Stop Payment (single or series)$31
Temporary Checks (8)$4
Non-member Check Cashing Fee$4
Collection Items/Outgoing (plus third party charges)$10
Bill Pay Check Image Fee$10
Plastic Card Microfilm Copy of Sales Draft$2
Rush Service Fee for Check Image/Photocopy (within 24 hours)$5

Digital & Electronic

Bill Pay Return Item Fee$10

Account Services

Levy/Garnishment$50

Lending Fees

Line of Credit Late Fee$15
Loan Secured Late Fee$15
Credit Report FeeNo charge

Other Fees

Overnight Mail Fee (Next Business Day)$15

Fee	Amount	Basis	Note
Account Maintenance
MAX Checking Fee (per month)	$3.95	per month	None
Platinum Checking Fee	$12	Not stated	None
Money Market Low Balance Fee	$10	Not stated	None
Early Account Closure Fee	$25	Not stated	None
Inactivity Fee	$5	Not stated	None
Account Reconciliation Fee (Hourly)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$2	Not stated	None
Returned Mail Fee	$3	Not stated	None
Overdraft & NSF
Overdraft Fee	$28	Not stated	None
Insufficient Funds Fee (to include ACH and Check transactions $25 or more)	$28	Not stated	None
ATM & Card
Plastic Card Replacement (Per Card)	$6	per item	None
Rush Order on Plastic Cards	$45	Not stated	None
Check Services
Official/Cashier’s Check (Free with Platinum Checking)	$5	Not stated	None
Money Orders (Free with Platinum Checking)	$5	Not stated	None
Stop Payment (single or series)	$31	Not stated	None
Temporary Checks (8)	$4	Not stated	None
Non-member Check Cashing Fee	$4	Not stated	None
Collection Items/Outgoing (plus third party charges)	$10	Not stated	None
Bill Pay Check Image Fee	$10	Not stated	None
Plastic Card Microfilm Copy of Sales Draft	$2	Not stated	None
Rush Service Fee for Check Image/Photocopy (within 24 hours)	$5	Not stated	None
Digital & Electronic
Bill Pay Return Item Fee	$10	Not stated	None
Account Services
Levy/Garnishment	$50	Not stated	None
Lending Fees
Line of Credit Late Fee	$15	Not stated	None
Loan Secured Late Fee	$15	Not stated	None
Credit Report Fee	No charge	Not stated	None
Other Fees
Overnight Mail Fee (Next Business Day)	$15	Not stated	None

Correct a fee source

Oct 5, 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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