15 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 4, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from My Federal Credit Union’s own schedules, with a source for each figure.
per hour
per day
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Reconciliation ($5.00 minimum) (audience not stated, treated as personal) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft by ATM or Debit Card (audience not stated, treated as personal) | $30 | Not stated | None |
| Check Returned or Honored for Non-Sufficient Funds (audience not stated, treated as personal) | $30 | Not stated | None |
| Insufficient Funds to Pay Authorized Draft/ACH Debit (audience not stated, treated as personal) | $30 | Not stated | None |
| ATM Terminal Transfer Fee or Overdraft Transfer Protection Fee (audience not stated, treated as personal) | $2 | Not stated | None |
| Overdraft Transfer from Savings (audience not stated, treated as personal) | $2 | Not stated | None |
ATM & Card | |||
| ATM Balance Inquiry (audience not stated, treated as personal) | $1 | Not stated | None |
| Foreign ATM withdrawal fee (audience not stated, treated as personal) | $1 | Not stated | None |
| Debit Card Replacement fee (audience not stated, treated as personal) | $5 | Not stated | None |
Wire Transfers | |||
| Wire Transfer (Outgoing Domestic) (audience not stated, treated as personal) | $15 | Not stated | None |
| Wire Transfer (incoming) (audience not stated, treated as personal) | $2 | Not stated | None |
Check Services | |||
| Official Checks (audience not stated, treated as personal) | $5 | Not stated | None |
| Official Checks made to members only (1 free per day) then (audience not stated, treated as personal) | $1Not compared: Daily charge, not per item | per day | None |
| Teller Checks (audience not stated, treated as personal) | $2 | Not stated | None |
| Stop Payment Order (audience not stated, treated as personal) | $20 | Not stated | None |
| Temporary Checks (1 sheet free at account opening) additional (audience not stated, treated as personal) | $1 | Not stated | None |
| Photocopy of Checks (2 free per month) additional (audience not stated, treated as personal) | $2 | Not stated | None |
Digital & Electronic | |||
| Online Bill Pay. (audience not stated, treated as personal) | $6.99 | per month | None |
Cash & Deposit | |||
| Returned Deposit Item (audience not stated, treated as personal) | $5 | Not stated | None |
Account Services | |||
| Subpoena, IRS Levy (research, duplication) (audience not stated, treated as personal) | $30 | per item | None |
Lending Fees | |||
| Late Charge - Past Due Loan Payment (over 10 days) (audience not stated, treated as personal) | 5% | Not stated | None |
Other Fees | |||
| Interim Statements (Account Print-Outs) (audience not stated, treated as personal) | $1 | Not stated | None |
| Photocopy per page (audience not stated, treated as personal) | $1 | per item | None |
| Statement Photocopies (audience not stated, treated as personal) | $1 | 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
Nov 4, 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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