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Fees

Share Draft Account Fees

Share Draft Account Fees

Table data for Share Draft Account Fees
 Effective 01-21-2025
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

Service Fees

Service Fees

Table data for Service Fees
 Effective 01-21-2025
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
  • 1Members may be eligible for discounted fees based on his/her Member Rewards Level. Please see the Member Rewards Program for further details.
  • 2Accounts of members under 18 years of age or over 55 years of age, accounts with IRAs, and those with balances in excess of $1,000.00 are exempt.

Electronic Service Fees

Electronic Services Fees

Table data for Electronic Services Fees
 Effective 01-21-2025
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
  • 1This fee is not inclusive of the fee that may be charged by the ATM owner.
  • 2This fee will be applied to any transaction processed in a currency other than U.S. Dollars.

Loans Processing

Loan Processing Fees

Table data for Loan Processing Fees
 Effective 01-21-2025
Item Fee Alert Me
Returned Payment (loan or Visa payment) $30.00
Skip-A-Payment as offered $50 per loan

Fee Schedule – Reload Plus

Fee Schedule – Reload Plus