Fees

Share Draft Account Fees

Share Draft Account Fees

Table data for Share Draft Account Fees
 Effective 10-15-2018
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 $32 per item paid
Overdraft Privilege Collection Fee $15
Membership Fee $10

Service Fees

Service Fees

Table data for Service Fees
 Effective 10-15-2018
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 $1O per month
Escheat (charged after 36 months of inactivity) $50 or account balance, whichever is less
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) $3.75 per transaction
Loan Payment by Credit Card $10
Loan Payment by Phone ACH $10
Visa Over Limit $25
Paper Statement Mailed2 $2.00 per month
Statement Copy $10 per paper copy (avoid this fee by signing up for eStatements)
ACH Reject Fee $15 per item
  • 1Accounts 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.
  • 2Members may be eligible for discounted fees based on his/her Member Rewards Level. Please see the Member Rewards Program for further details.

Electronic Service Fees

Electronic Services Fees

Table data for Electronic Services Fees
 Effective 10-15-2018
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
ATM Deposit - Empty Envelope $10
Visa Check Card Recovery $25
Visa Check 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 10-15-2018
Item Fee Alert Me
Returned Payment (loan or Visa payment) $30