MADISON, Wis. (9/20/10)--Banks charge almost twice what credit unions and community-based financial institutions charge for business checking, according to a recent survey. Moebs Services recently conducted a survey of 2,300 banks and credit unions, and found that banks charge about $35 dollars for non sufficient funds fees. Credit unions and community banks charge an average of about $25--40% less than banks for business checking, Chicago-based Moebs said. The median limit on all types of transactions for banks and credit unions is 150 per month. Credit unions and community banks charge 25 cents per transaction when accountholders exceed their monthly allowance, whereas banks charge 50 cents per transaction. Also, about 38.1% of credit unions offer free business checking, compared with 31.8% of community banks, the survey noted. About 42% more big banks offer free checking this year than last.