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Banking Notice
It’s time to save.
Check out our 9-month Add-On Share Certificate Special!
4.50% APY*
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Holiday Loan
The holidays are here!
From holiday shopping to decorations and travel, our Holiday Loan can help!
Fees
Share Draft Account Fees
Share Draft Account Fees
| Item | Fee | Alert Me |
|---|---|---|
| Automatic Share Transfer (to cover overdrafts) | $5 per occurrence | |
| Returned Check and Point-of-Sale/Auto Debit Overdraft | $35 | |
| Check Written on Closed Account | $25 | |
| Check/Deposit Item Copy | $7 | |
| Stop Payment - Staff Assisted | $30 per check/series | |
| Stop Payment - Placed Electronically by phone banking or online banking | $25 per check/series | |
| Check Cashing Fee | $3 | |
| Overdraft Privilege Fee | $35 per item paid | |
| Overdraft Privilege Collection Fee | $15 | |
| Membership Fee | $10 | |
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Service Fees
Service Fees
| Item | Fee | Alert Me |
|---|---|---|
| Account Closure (within three (3) months of opening) | $5 | |
| Returned Deposit Item (written/issued by member depositor) | $25 | |
| Returned Deposit Item (written/issued by non-depositor) | $15 | |
| Account Research | $20 per hour | |
| Incoming Wire Transfer | FREE | |
| Outgoing Domestic Wire Transfer | $20 | |
| Outgoing International Wire Transfer | $30 | |
| Money Order | $3 | |
| Commercial Money Order | $10 handling fee plus Western Union charges | |
| Official Check | $7 | |
| Stop Payment on Official Check | $25 | |
| Legal (tax liens, levies, garnishments, etc.) | $100 | |
| Collection Item | $30 | |
| Bad Address | $5 per month | |
| Inactive Account (no financial activity for 12 months)1 | $15 per month | |
| Escheat (charged after 36 months of inactivity) | $100 | |
| Mortgage/Asset Verification | $10 | |
| Duplicate Lien Release | $5 | |
| Express Delivery (requests requiring expedited delivery) | $20 | |
| Express Delivery - Credit Card | $65 | |
| Express Delivery - Visa Check Card/ ATM Card | $65 | |
| Staff Assisted Transfer (Including Loan Payment) | $5 | |
| Money Management Special Handling (withdrawal limits exceeded, check improperly issued) | $5 per occurrence | |
| Family Service Center (Marlow Heights and Capitol Heights, MD only) | $3.50 per transaction | |
| Loan Payment by Credit Card | $10 | |
| Loan Payment by Phone ACH | $10 | |
| Visa Over Limit | $25 | |
| Monthly Paper Statement Mailed2 | $5 per month | |
| Statement Copy | $10 per paper copy (avoid this fee by signing up for eStatements) | |
| ACH Reject Fee | $15 per item | |
Electronic Service Fees
Electronic Services Fees
| Item | Fee | Alert Me |
|---|---|---|
| Phone Banking Transactions | FREE | |
| Plastic Card Replacement | $20 | |
| PIN Replacement | $3 | |
| Online Banking | FREE | |
| Internet BillPayer | FREE | |
| Internet BillPayer Insufficient Funds | $35 | |
| Internet BillPayer Stop Payment | $26 | |
| Internet BillPayer Inquiry | $18 | |
| Internet BillPayer Check Copy | $25 | |
| Non-Proprietary ATM Withdrawals1 | $2 | |
| Democracy FCU ATM Withdrawals with Non-Proprietary Card | $3 | |
| Point-of-Sale Transactions | FREE | |
| Foreign Exchange Fee (Visa Check Card)2 | 1% of transaction amount | |
| Visa Check Card Recovery | $25 | |
| Visa Check Card Annual Fee | FREE | |