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Closed Monday, January 20, 2025
All Democracy Federal Credit Union offices will be closed on Monday, January 20, 2025 in observance of Martin Luther King Day. Enjoy easy access to your accounts via Online Banking, Mobile Banking and Phone Banking. View the full list of holidays here.
Fees
Share Draft Account Fees
Share Draft Account Fees
| Item | Fee | Alert Me |
|---|---|---|
| Automatic Share Transfer (to cover overdrafts) | $5 per occurrence | |
| Insufficient Funds Share Draft/Point-of-Sale/Auto Debit Overdraft (whether paid or not) | $30 | |
| Overdraft Privilege Fee | $32 per item paid | |
| Stop Payment - Placed Electronically by phone banking or online banking or staff assisted | $30 per check/series | |
| Check Cashing Fee | $3 | |
| Share Draft/Deposit Item Copy | $7 | |
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Service Fees
Service Fees
| Item | Fee | Alert Me |
|---|---|---|
| New Membership Fee | $10 per membership | |
| Account Closure (within 60 days or 2 months of opening) | $10 | |
| Returned Deposit Item (written/issued by member depositor) | $25 | |
| Account Research | $20 per hour | |
| Statement Copy | $10 per paper copy (avoid this fee by signing up for eStatements) | |
| Monthly/Quarterly Paper Statement1 | $5 per statement mailed | |
| Incoming Wire Transfer | FREE | |
| Outgoing Domestic Wire Transfer | $20 | |
| Outgoing International Wire Transfer | $30 | |
| Money Order | $3 | |
| Official Check | $7 | |
| Stop Payment on Official Check | $25 | |
| Legal (tax liens, levies, garnishments, etc.) | $100 | |
| Bad Address | $5 per month | |
| Inactive Account (no financial activity for 12 months)2 | $15 per month | |
| Escheat (charged after 36 months of inactivity) | $100 or account balance, whichever is less | |
| Mortgage/Asset Verification | $10 | |
| Duplicate Lien Release | $10 | |
| Express Delivery (requests requiring expedited delivery) - Documents | $20 | |
| Express Delivery - Credit Card | $65 | |
| Express Delivery - Visa Check Card | $65 | |
| Staff Assisted Phone Transfer | $5 | |
| Money Management Special Handling (withdrawal limits exceeded, check improperly issued) | $5 per occurrence | |
| Shared Branch | $3.50 per transaction | |
| Loan Phone Pay | $10 | |
| VISA Over Limit* *if opted in | $25 | |
Electronic Service Fees
Electronic Services Fees
| Item | Fee | Alert Me |
|---|---|---|
| iTalk Transactions | FREE | |
| ACH Reject Fee | $15 per item | |
| Plastic Card Replacement | $20 | |
| Online Banking | FREE | |
| Internet Bill Pay | FREE | |
| Internet Bill Pay Insufficient Funds | $30 | |
| Internet Bill Pay Stop Payment | $26 | |
| Internet Bill Pay Inquiry | $18 | |
| Internet Bill Pay 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 Card Annual Fee | FREE | |