22 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 3, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Illinois, the Chicago 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 Midwest Members Federal Credit Union’s own schedules, with a source for each figure.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed Within 90 Days of Opening | $5 | Not stated | None |
| Dormant Account - Dormancy (after 13 months) | $5 | per month | None |
| Account Balancing Assistance | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address - Mail Returned | $5 | per month | None |
Overdraft & NSF | |||
| Overdraft Privilege Access (Paid Item) - Overdraft Fee | $30 | per item | None |
| Item Returned for Insufficient Funds - Non-Sufficient Funds Fee | $30 | per item | None |
ATM & Card | |||
| ATM Transaction (All Transactions at non Co-Op ATMs) | $1 | Not stated | None |
| Debit Card Replacement - Replacement Debit | $10 | per item | None |
Wire Transfers | |||
| Western Union / Wire Transfer - Domestic | $25 | per item | None |
Check Services | |||
| Cashier's Check | $5 | per item | None |
| Money Order | $5 | per item | None |
| Stop Payment (Check, ACH, Money Order, Cashier's Check) | $30 | per item | None |
| Stop Payment (Range of Checks) | $50 | Not stated | None |
| Temporary Checks - Temp Check (8 per set) | $5 | Not stated | None |
| Check Cashing - Third Party (Member Only) | $5 | per item | None |
| Collection Item | $30 | per item | None |
| Foreign Check Sent for Collection | $25 | per item | None |
| Copy of a Check | $3 | per item | None |
| Copy of a Check | No charge | Not stated | None |
Digital & Electronic | |||
| Online Bill Pay | No charge | Not stated | None |
| Mobile Check Deposit | No charge | Not stated | None |
Cash & Deposit | |||
| Deposited Item Returned Unpaid - Return Check | $30 | per item | None |
Account Services | |||
| Box Drilled Open - Drilled Box Fee | $125Not compared: Box drilling or key fee | Not stated | None |
| Replacement of Lost Key - Safe Box Key Fee | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $60 | per year | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $60 | per year | None |
| Safe Deposit Box 3 x 10 | $35 | per year | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $35 | per year | None |
| Safe Deposit Box 3 x 5 | $20 | per year | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $20 | per year | None |
| Safe Deposit Box 5 x 10 | $45 | per year | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $45 | per year | None |
| Safe Deposit Box 7 x 10 | $55 | per year | None |
| Safe Deposit Box 7 x 10 (audience not stated, treated as personal) | $55 | per year | None |
| Garnishment / Citation / Levy | $50 | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $3 | per item | None |
Other Fees | |||
| Copy of a Statement | No charge | Not stated | None |
| Copy of a Statement | $5Not compared: Monthly charge, not per item | per month | None |
| Fax Service | $1Not compared: Charged per page; comparison unavailable | per page | Fax Service | $1 per page |
| Fax Service | No charge | Not stated | None |
| Photocopies | $0.25 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed Within 90 Days of Opening | $5 | Not stated | None |
| Dormant Account - Dormancy (after 13 months) | $5 | per month | None |
| Account Balancing Assistance | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address - Mail Returned | $5 | per month | None |
Overdraft & NSF | |||
| Overdraft Privilege Access (Paid Item) - Overdraft Fee | $30 | per item | None |
| Item Returned for Insufficient Funds - Non-Sufficient Funds Fee | $30 | per item | None |
ATM & Card | |||
| ATM Transaction (All Transactions at non Co-Op ATMs) | $1 | Not stated | None |
| Debit Card Replacement - Replacement Debit | $10 | per item | None |
Wire Transfers | |||
| Western Union / Wire Transfer - Domestic | $25 | per item | None |
Check Services | |||
| Cashier's Check | $5 | per item | None |
| Money Order | $5 | per item | None |
| Stop Payment (Check, ACH, Money Order, Cashier's Check) | $30 | per item | None |
| Stop Payment (Range of Checks) | $50 | Not stated | None |
| Temporary Checks - Temp Check (8 per set) | $5 | Not stated | None |
| Check Cashing - Third Party (Member Only) | $5 | per item | None |
| Collection Item | $30 | per item | None |
| Foreign Check Sent for Collection | $25 | per item | None |
| Copy of a Check | $3 | per item | None |
| Copy of a Check | No charge | Not stated | None |
Digital & Electronic | |||
| Online Bill Pay | No charge | Not stated | None |
| Mobile Check Deposit | No charge | Not stated | None |
Cash & Deposit | |||
| Deposited Item Returned Unpaid - Return Check | $30 | per item | None |
| Business Night Depository Key (Additional or Lost) | $4 | Not stated | None |
Account Services | |||
| Box Drilled Open - Drilled Box Fee | $125Not compared: Box drilling or key fee | Not stated | None |
| Replacement of Lost Key - Safe Box Key Fee | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $60 | per year | None |
| Safe Deposit Box 3 x 10 | $35 | per year | None |
| Safe Deposit Box 3 x 5 | $20 | per year | None |
| Safe Deposit Box 5 x 10 | $45 | per year | None |
| Safe Deposit Box 7 x 10 | $55 | per year | None |
| Garnishment / Citation / Levy | $50 | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $3 | per item | None |
Other Fees | |||
| Copy of a Statement | No charge | Not stated | None |
| Copy of a Statement | $5Not compared: Monthly charge, not per item | per month | None |
| Fax Service | $1Not compared: Charged per page; comparison unavailable | per page | Fax Service | $1 per page |
| Fax Service | No charge | Not stated | None |
| Photocopies | $0.25 | per item | None |
Nov 3, 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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