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 | |