Unity One Federal Credit Union

Headquarters: Fort Worth, Texas
Charter: Credit Union
Assets: $275.9M
Fed district: Dallas

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

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

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

Monthly Maintenance
2ND CHECKING $3 · CLEAN START CHECKING $10
Compared at $6.50, the middle of its prices
Unity One Federal Credit Union: $3 to $10
Unity One Federal Credit Union: $3 to $10
U.S. median: no median
Overdraft (OD)
Unity One Federal Credit Union: $35
Unity One Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Compared at $15, the middle of its prices
Unity One Federal Credit Union: $10 to $30
Unity One Federal Credit Union: $10 to $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

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.

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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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 Unity One Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Account (2nd Checking) Service Charge$3
per month
CLEAN START CHECKING Monthly service charge$10
per month
Returned mail (bad address)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Privilege Pay Usage Fee$35
per item
NSF / Returned Item$15
per item
Returned check (second party)$10
per item
Returned check (single party)$30
per item

ATM & Card

Card replacement fee$12
per item

Wire Transfers

Wire transfer (outgoing)$15
per item
Wire transfer (incoming)$5
per item

Check Services

Money orders$2
per item
Stop payment$25
per item
Photo request (copy of cleared check)$1
per item

Digital & Electronic

ACH Return$35
per item

Account Services

Non-member notary fee$5

Other Fees

Statement copy research$15
Not compared: Charged per hour; comparison unavailable
per hour · | statement copy research | $15.00 per hour, first 15 minutes free |

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking Account (2nd Checking) Service Charge	$3	per month	None
CLEAN START CHECKING Monthly service charge	$10	per month	None
Returned mail (bad address)	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Privilege Pay Usage Fee	$35	per item	None
NSF / Returned Item	$15	per item	None
Returned check (second party)	$10	per item	None
Returned check (single party)	$30	per item	None
ATM & Card
Card replacement fee	$12	per item	None
Wire Transfers
Wire transfer (outgoing)	$15	per item	None
Wire transfer (incoming)	$5	per item	None
Check Services
Money orders	$2	per item	None
Stop payment	$25	per item	None
Photo request (copy of cleared check)	$1	per item	None
Digital & Electronic
ACH Return	$35	per item	None
Account Services
Non-member notary fee	$5	Not stated	None
Other Fees
Statement copy research	$15Not compared: Charged per hour; comparison unavailable	per hour	\| statement copy research \| $15.00 per hour, first 15 minutes free \|

Correct a fee source

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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