Union Square Credit Union

Headquarters: Wichita Falls, Texas
Charter: Credit Union
Assets: $601.3M
Fed district: Dallas

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

Source: its fee schedule, read Feb 17, 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
Preferred Plus Checking Account
Union Square Credit Union: $5
Union Square Credit Union: $5
U.S. median: no median
Overdraft (OD)
Union Square Credit Union: $30
Union Square Credit Union: $30
U.S. median: no median
NSF / Returned Item
Union Square Credit Union: $30
Union Square Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 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 Union Square Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Preferred Plus Checking Account Monthly service charge (audience not stated, treated as personal)$5
per month
Below Minimum Share$3
per month · assessed when share accounts fall below $25 minimum balance
Account Inactivity$5
per month
Research and Account Reconciliation (audience not stated, treated as personal)$25
varies · per hour with $25.00 minimum
Paper Statement (audience not stated, treated as personal)$5
per month
Returned Mail (audience not stated, treated as personal)$5
per month

Overdraft & NSF

Courtesy Pay$30
per item · assessed for transactions paid when no other overdraft protection available; automatically added to consumer accounts
Insufficient Funds$30
per item
Overdraft Transfer (audience not stated, treated as personal)$2
per item · automatic
Overdraft Transfer (automatic) (audience not stated, treated as personal)$2

ATM & Card

ATM Foreign Transaction$3
per item · non-USCU ATM
Debit Card Replacement$5
per item
Debit Card Rush Delivery$25
per item

Check Services

Cashier's Check$5
per item
Stop Payment (audience not stated, treated as personal)$30
Temporary Checks (four) (audience not stated, treated as personal)$5
Check Cashing$20
per item · applies only to member accounts with balances below $300
Foreign Negotiable Instrument$15
per item
Copy of Canceled Check$5

Cash & Deposit

Returned Deposit Item (audience not stated, treated as personal)$10
Returned Deposit Item Fee (audience not stated, treated as personal)$30

Account Services

Notary ServiceNo charge
per item · free for members, $5.00 for non-members
Safe Deposit Locksmith Services (audience not stated, treated as personal)$175
Safe Deposit Replacement Key (audience not stated, treated as personal)$50
Not compared: Box drilling or key fee
per item
Levies/Garnishment$75
per item

Gift & Prepaid Cards

Gift Card$4
per item

Other Fees

Copy of Statement$1
Not compared: Charged per page; comparison unavailable
per page
Photocopy (audience not stated, treated as personal)$2
Loan Modification$5

Fee	Amount	Basis	Note
Account Maintenance
Preferred Plus Checking Account Monthly service charge (audience not stated, treated as personal)	$5	per month	None
Below Minimum Share	$3	per month	assessed when share accounts fall below $25 minimum balance
Account Inactivity	$5	per month	None
Research and Account Reconciliation (audience not stated, treated as personal)	$25	varies	per hour with $25.00 minimum
Paper Statement (audience not stated, treated as personal)	$5	per month	None
Returned Mail (audience not stated, treated as personal)	$5	per month	None
Overdraft & NSF
Courtesy Pay	$30	per item	assessed for transactions paid when no other overdraft protection available; automatically added to consumer accounts
Insufficient Funds	$30	per item	None
Overdraft Transfer (audience not stated, treated as personal)	$2	per item	automatic
Overdraft Transfer (automatic) (audience not stated, treated as personal)	$2	Not stated	None
ATM & Card
ATM Foreign Transaction	$3	per item	non-USCU ATM
Debit Card Replacement	$5	per item	None
Debit Card Rush Delivery	$25	per item	None
Check Services
Cashier's Check	$5	per item	None
Stop Payment (audience not stated, treated as personal)	$30	Not stated	None
Temporary Checks (four) (audience not stated, treated as personal)	$5	Not stated	None
Check Cashing	$20	per item	applies only to member accounts with balances below $300
Foreign Negotiable Instrument	$15	per item	None
Copy of Canceled Check	$5	Not stated	None
Cash & Deposit
Returned Deposit Item (audience not stated, treated as personal)	$10	Not stated	None
Returned Deposit Item Fee (audience not stated, treated as personal)	$30	Not stated	None
Account Services
Notary Service	No charge	per item	free for members, $5.00 for non-members
Safe Deposit Locksmith Services (audience not stated, treated as personal)	$175	Not stated	None
Safe Deposit Replacement Key (audience not stated, treated as personal)	$50Not compared: Box drilling or key fee	per item	None
Levies/Garnishment	$75	per item	None
Gift & Prepaid Cards
Gift Card	$4	per item	None
Other Fees
Copy of Statement	$1Not compared: Charged per page; comparison unavailable	per page	None
Photocopy (audience not stated, treated as personal)	$2	Not stated	None
Loan Modification	$5	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

Fee	Amount	Basis	Note
Wire Transfers
Incoming Wires	$5	per item	None

Correct a fee source

Feb 17, 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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