Idaho Central overdraft fee is $24.94
Idaho Central Credit Union's article dated 26 June 2026 says the overdraft fee is $24.94 as of 25 June 2026, and that ICCU does not charge NSF fees as of 2025. The membership agreement, Rev. 02/2022, still prints an NSF item at $31.94 and a paid overdraft at $24.94. This page does not pick one NSF figure as the amount you will be billed. The wider table is US overdraft fees by bank.
Last updated: October 27, 2026
Last checked: Oct 2026
Monthly fee by account
Opened 27 October 2026. Amounts below are US dollars. The Central Checking page prints service fees of $0, a minimum to open of $100, and a minimum daily balance of $0. The Central Plus page prints a monthly service fee of $7 after the first month free, a minimum to open of $100, and a minimum daily balance of $0.
The membership and account agreement, Rev. 02/2022, prints a monthly fee of $15.00 in the checking accounts section, next to a minimum to open of $100.00 under the Basic Checking heading. The live Central Checking page does not use that $15.00. Do not treat the 2022 Basic Checking price as the current Central Checking price. The reading guide is US bank fee guides. The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Account | What the live page prints | What the 2022 agreement prints |
|---|---|---|
| Central Checking | Service fees $0. Open with $100 | Not the name on the live page. Do not copy the agreement's $15.00 onto this account |
| Central Plus | $7 a month after the first month free | The agreement does not use this product name |
Overdraft, NSF, and other fees
The 26 June 2026 article says the overdraft fee is $24.94 per transaction as of 25 June 2026, capped at five transactions a day, and that ICCU does not charge an overdraft fee if the account is overdrawn by $5.00 or less at the end of the day. It says that as of 2025, ICCU does not charge NSF fees. ATM and everyday debit card coverage are in the opt in column. Checks and ACH are in the standard column.
The Rev. 02/2022 Fees and Charges Schedule still prints a paid overdraft at $24.94 each and a nonsufficient funds item at $31.94 each. It also prints an overdraft protection transfer from savings at $2.50, a stop payment at $30.00, an incoming wire at $15.00, an outgoing wire at $20.00, a foreign wire at $40.00, and an out of network ATM withdrawal at $1.50. The article is later than the agreement and disagrees on NSF. This page reports both and does not guess which one posts. The monthly list is US monthly checking fees by bank. ATM rows are on US ATM fees by bank. A yearly total from numbers you type is on the bank fee calculator. It does not look up this institution.
Questions
- How much is an Idaho Central overdraft fee?
- The 26 June 2026 article prints $24.94 per transaction as of 25 June 2026, at most five a day, and no fee if the account is overdrawn by $5.00 or less at the end of the day. The Rev. 02/2022 agreement also prints $24.94 for each overdraft paid.
- Does Idaho Central charge an NSF fee?
- The 26 June 2026 article says that as of 2025, ICCU does not charge NSF fees. The Rev. 02/2022 agreement still prints $31.94 for each nonsufficient funds item. This page does not choose between those two sources.
- How much is Idaho Central Central Checking a month?
- The Central Checking page prints service fees of $0. Central Plus is $7 a month after the first month free. The 2022 agreement's $15.00 checking line is not the figure on the live Central Checking page.