From runs of this calculator
Check cashing, money orders, out-of-network ATMs, and money sent abroad.
You can reword, reorder, or hide the alternatives before printing.
Lists the accounts certified for your state.
Points the branch-finder links near you.
Optional. Nothing is saved or sent anywhere.
Analysis in progress
Preparing your cost summary
Reviewing the figures entered against the alternatives on file.
Your results
Prepared —
Estimated current annual cost
$0
Total of the fees itemised below, over twelve months.
Illustrative cost with alternatives
$0
The same year if every alternative below worked out as well as it possibly could — a best case, not an expected result.
Illustrative annual difference
$0
The gap between the current cost and that best case. Each alternative assumes its own best case, so treat this as a ceiling — not a forecast or a guarantee.
Annual cost by category, with each category's share of the total.
| Category | Share of total | Annual cost |
|---|---|---|
| Check cashing fees |
|
$0 |
| Money order fees |
|
$0 |
| ATM fees |
|
$0 |
| Remittance fees |
|
$0 |
| Total estimated annual cost | $0 |
| Category | Share of total | Annual cost |
|---|---|---|
| Overdraft & returned-payment fees |
|
$0 |
| Monthly account fees |
|
$0 |
| Minimum-balance fees |
|
$0 |
| Foreign transaction fees |
|
$0 |
| Total estimated annual cost | $0 |
These figures are estimates derived from the information entered and should be read as approximate. Categories left blank are reported as zero.
The NCUA is the federal regulator for credit unions, and it publishes the list of every federally insured one. It is a regulator’s directory, not a comparison site — nobody pays to appear on it and nothing on it is ranked or promoted.
Open the NCUA Credit Union Locatorhttps://mapping.ncua.gov/
For reference
Services and account types with lower fees than those above. Information only — each entry shows what surfaced it.
Entries are ordered by the size of the cost each one relates to, largest first, using only the figures entered above. That ordering is arithmetic on your own numbers — not a judgment about which option is best for you. Entries with no dollar cost attached, such as gathering identification, appear at the end.
Before you hand this over
Reword anything that would land better in your own words, add a note, hide entries that do not apply to this client, or change the order. The costs and the figures behind them are not editable — they are arithmetic on what was entered.
Anything you type here stays in this browser tab. It is not saved, not sent anywhere, and is cleared when you start over — so do not enter your client’s name or any other identifying detail.
Before you open anything
This tool does not name a bank, credit union, or card, and it never will — which institution suits someone depends on where they live, what identification they hold, and what they need an account to do. What can be pointed to is the standard itself, published by the body that sets it.
https://joinbankon.org/wp-content/uploads/2024/11/CFE-Bank-On-NAS-2025-2026.pdf
The Bank On National Account Standards (2025–2026) are published by the Cities for Financial Empowerment Fund and set out the core and strongly recommended features a certified account must have. Bank On is a set of account standards, not a bank — accounts meeting it are offered by many different banks and credit unions.
One last question
Optional, and it changes nothing above — it only helps show whether seeing the figures was any use.
The PDF contains everything on this page — your entries, the itemised costs, and the alternatives listed above. Your name does not appear on it.
