Member Notices: Effective September 2019, in accordance with regulatory compliance, the below notices have been issued to all Democracy FCU members. The notices are a general statement and are not an indication that your account(s) are inactive. Please contact Member Services at 800.742.5582 should you have any questions regarding your account activity. We appreciate your membership and look forward to serving all of your financial needs.
MEMBER INACTIVITY: Effective November 1, 2019, member accounts that have been inactive for three years will be closed and forwarded to the Office of Unclaimed Property in Washington, D.C. If you have not accessed your account in a period of three years, please do so by October 31 and/or contact Member Services at 800.742.5582.
WE HAVEN'T HEARD FROM YOU IN A WHILE: If you have not accessed your account in one year, we need to hear from you so that your account is not marked as inactive. To keep your account active, all it takes is a small transaction made to your account. You can deposit as little as a penny to show us some love! We value your membership and are committed to helping you achieve financial success!
DISCONTINUANCE OF ATM CARDS: In an effort to consistently and effectively bring our members' improved products and services, we will no longer offer ATM cards with savings accounts that could only be used at ATMs for cash withdrawals. Instead, members will now receive a Visa debit card that will link to your checking and/or savings accounts and be used for purchases that require a Personal Identification Number (PIN) based transaction. The card will only work with the use of your PIN. For members who currently have an ATM card, you will receive a Visa debit card at the time of re-issuance.
BILL PAY USERS: Effective November 1, 2019, the online bill payment limits will be adjusted from up to $10,000 to $5,000 per transaction. In addition, all bill payments will clear your account as a pre-authorized check. You will have the ability to view these items in the Online Banking Platform as a cleared check.