Financial Plus Federal Credit Union

Headquarters: Flint, Michigan
Charter: Credit Union
Assets: $1.7B
Fed district: Chicago

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

Source: its fee schedule, read Nov 1, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Benefits Plus Checking
Financial Plus Federal Credit Union: $6.95
Financial Plus Federal Credit Union: $6.95
U.S. median: no median
Overdraft (OD)
Financial Plus Federal Credit Union: $10
Financial Plus Federal Credit Union: $10
U.S. median: no median
Non-Network ATM
Financial Plus Federal Credit Union: $1.50
Financial Plus Federal Credit Union: $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

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

Account Maintenance

Benefits Plus Checking Monthly service charge$6.95
per month
Dormant Account Monthly Fee$5
per month
Escheatment Fee$50
Account Reconciliation & Research (minimum of $15.00)$30
Not compared: Charged per hour; comparison unavailable
per hour
Returned Statement Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay Overdraft (per item)$10
per item

ATM & Card

ATM Transactions & Inquiries$1.50
per item
Replacement ATM, Debit, or Credit Card$5
per item
ATM/Debit Card Foreign Transaction Fee (For transactions outside the U.S.) (audience not stated, treated as personal)3%of the transaction
ATM/Debit Card Foreign Transaction Fee (For transactions outside the U.S.)3%of the transaction

Wire Transfers

Domestic Wire$20
per item
International Wire$30
per item

Check Services

Cashier’s Check$1
per item
Check/ACH/Cashier's Check Stop Payment$29
per item
Check Cashing$5
per item
Statement/Document/Check Copy$2
per item

Digital & Electronic

ACH Same-Day Processing for Tel-Payments$9.95
per item
ACH Returned Origination (Returned because invalid account #, account closed, or NSF)$29
per item
Bill Pay Rush Payment: Overnight Check Delivery$19.95
Not compared: Per-item charge, not monthly
per item
Bill Pay Rush Payment: Second Day Check Delivery$14.95
Not compared: Per-item charge, not monthly
per item
Bill Pay Rush Payment: Second Day Electronic Delivery$4.95
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Returned Deposit Item (Check, ACH, or other item which has been returned)$15
per item

Account Services

Replacement Key$10
Not compared: Box drilling or key fee
per item
Safe Deposit Box 10 x 10$70
per year
Safe Deposit Box 3 x 10$30
per year
Safe Deposit Box 3 x 5$20
per year
Safe Deposit Box 5 x 10$40
per year
Safe Deposit Box Drill Fee$200
Not compared: Box drilling or key fee
per item
Processing Garnishment, Levy, Court Order$50
per item

Other Fees

UPS Overnight Fee$45

Fee	Amount	Basis	Note
Account Maintenance
Benefits Plus Checking Monthly service charge	$6.95	per month	None
Dormant Account Monthly Fee	$5	per month	None
Escheatment Fee	$50	Not stated	None
Account Reconciliation & Research (minimum of $15.00)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Statement Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay Overdraft (per item)	$10	per item	None
ATM & Card
ATM Transactions & Inquiries	$1.50	per item	None
Replacement ATM, Debit, or Credit Card	$5	per item	None
ATM/Debit Card Foreign Transaction Fee (For transactions outside the U.S.) (audience not stated, treated as personal)	3%of the transaction	Not stated	None
ATM/Debit Card Foreign Transaction Fee (For transactions outside the U.S.)	3%of the transaction	Not stated	None
Wire Transfers
Domestic Wire	$20	per item	None
International Wire	$30	per item	None
Check Services
Cashier’s Check	$1	per item	None
Check/ACH/Cashier's Check Stop Payment	$29	per item	None
Check Cashing	$5	per item	None
Statement/Document/Check Copy	$2	per item	None
Digital & Electronic
ACH Same-Day Processing for Tel-Payments	$9.95	per item	None
ACH Returned Origination (Returned because invalid account #, account closed, or NSF)	$29	per item	None
Bill Pay Rush Payment: Overnight Check Delivery	$19.95Not compared: Per-item charge, not monthly	per item	None
Bill Pay Rush Payment: Second Day Check Delivery	$14.95Not compared: Per-item charge, not monthly	per item	None
Bill Pay Rush Payment: Second Day Electronic Delivery	$4.95Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Returned Deposit Item (Check, ACH, or other item which has been returned)	$15	per item	None
Account Services
Replacement Key	$10Not compared: Box drilling or key fee	per item	None
Safe Deposit Box 10 x 10	$70	per year	None
Safe Deposit Box 3 x 10	$30	per year	None
Safe Deposit Box 3 x 5	$20	per year	None
Safe Deposit Box 5 x 10	$40	per year	None
Safe Deposit Box Drill Fee	$200Not compared: Box drilling or key fee	per item	None
Processing Garnishment, Levy, Court Order	$50	per item	None
Other Fees
UPS Overnight 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

Nov 1, 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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