Skip to Sitemap
Thanksgiving Holiday

In observance of the Thanksgiving holiday, Andrews Federal Credit Union will be closed on Thursday, November 28, 2024. Access to your account is available 24/7 with Digital Banking.

Upper Marlboro Branch Closed

Our Upper Marlboro branch is temporarily closed. Please visit our nearest branch on 5711 Allentown Road for your in-person banking needs.  

Andrews Federal Credit Union
  1. Home
  2. Learn
  3. Resources

Account Fees

As a member-owned credit union, we’re committed to providing you the most value for your money.

These fees apply to accounts and services.

As a member-owned credit union, we strive to give you the most for your money. That includes keeping fees low and offering free or competitive services. 

Member Account Fees

Click here for a printer-friendly PDF version of this document.

FEES FOR ALL ACCOUNTS
    Current Fees
Abandoned Accounts   $50.00
Bad Address Fee   $5.00
Checking Account - Boost1   $15.00
Checking Account - Online2 Fee may be avoided if account criteria is met. $10.00
Checking Account - Payback3 Fee may be avoided if direct deposit requirement is met. $10.00
Checking Account - Forces4 Fee may be avoided if direct deposit requirement is met. $10.00
Check Clearing History5 Last 10 checks $5.00
Direct Deposit Correction After 3rd occurrence $25.00
Early Account Closing Closing within 60 days of opening $25.00
Early Withdrawal - Club Account & Generator Share Certificate   $25.00
European Bill Pay   $2.00 in branch or $1.00 online
Inactive Account Fee No account activity for 12 months or more $5.00
Money Market Excess Transaction6   $10.00
Money Market Low Balance Applies to balances less than $1,000 (Legacy Money Markets only). $10.00
Non-Sufficient Funds (NSF) Return Charge7   $32.00
Paper Statements8   $5.00
Privilege Pay Fee9 Overdraft Protection for Checks & ACH $32.00
Returned Deposit Item   $25.00
Stop Payment   $25.00
Tax Levy / Garnishment Administrative Fee   $75.00
 
DEBIT CARD USAGE
Andrews Federal and CO-OP ATMs ATM/POS (point of sale)
Transactions		 Free of Charge
Non-Andrews Federal and/or Non-CO-OP ATMs10   $1.00
Foreign Transaction Fee11   1% of the transaction amount
Replacement Card   $10.00
Privilege Pay Visa® Debit Card Overdrafts12 Debit Card Purchases Overdraft Protection $32.00
 
SAFETY DEPOSIT BOX ANNUAL RENTAL
  3 x 5 $35.00
  3 x 10 $55.00
  5 x 10 $85.00
  10 x 10 $150.00 
Drilling   $150.00
Key Replacement   $30.00 
 
OTHER SERVICES AVAILABLE
Account Research / Reconciliation $25/minimum; fees waived if Andrews Federal error $25.00/Hour
Copy of Paid Item / Statement   $5.00
Custodian IRA Transfers   $10.00
Express Mail Subject to weight and delivery location limits Costs vary
External Loan Payment by Phone13   $11.50
Interim Statement   $5.00
Notary   $2.00 per document
Money Order   $2.00
Official Check One per day with no fee $5.00
Phone Requests5 Balance Request by Phone5 $2.00
1 free per month
  Loan Payment Transfer by Phone5
  Share Transfer by Phone5
Signature Guarantee   $25.00
Special Collection Item Domestic $10.00
  Foreign Costs vary
Temporary Checks Per sheet (4 checks) $4.00
Verification of Deposit   $25.00
Wire Transfers14 Bank-to-Bank Outgoing Wires (Domestic) $25.00
  Bank-to-Bank Outgoing Wires (International) $50.00
  Bank-to-Bank Incoming Wires $15.00

Rev. April 2022

 

Business Account Fees

Click here for a printer-friendly PDF version of this document.

FEES FOR ALL ACCOUNTS
    CURRENT FEES
Abandoned Accounts    $50.00
Bad Address Fee    $5.00
Check Clearing History1  Last 10 checks $5.00
Check Printing Charges    Set by printer (see upon request)
Checking Account Monthly Maintenance2    $25.00
Direct Deposit Correction  After 3rd occurrence $25.00
Early Account Closing  Closing within 60 days of opening $50.00
Excess Transaction Fee3    $0.25
Inactive Account Fee  No account activity for 12 months or more $5.00
Non Sufficient Funds (NSF) / Uncollected Item Return Charge4    $32.00
Paper Statements    $5.00
Returned Deposit Item    $25.00
Stop Payment    $25.00
Tax Levy / Garnishment Administrative Fee    $75.00
 
DEBIT CARD USAGE
Andrews Federal and CO-OP ATMs  ATM/POS (point of sale) Transactions Free of Charge
Non-Andrews Federal and / or Non-CO-OP ATMs5   $1.00 
Replacement Card   $10.00
Other Services Available    
Account Research/Reconciliation $25/minimum; fees waived if Andrews Federal error $25.00/Hour
Coin Service    varies upon request
Currency Service   varies upon request
Copy of Paid Item / Statement    $5.00
Express Mail  Subject to weight and delivery location limits Costs vary
Interim Statement   $5.00
Other Services Available    
External Loan Payment by Phone6     $11.50
Notary   $2.00 per document
Money Order   $2.00
Official Check One per day with no fee $5.00
Phone Requests1  Balance Request by Phone1  $2.00 / 1 free per month
  Loan Payment Transfer by Phone1 
  Share Transfer by Phone1
Signature Guarantee    $25.00
Special Collection Item  Domestic $10.00
  Foreign  Costs vary
Temporary Checks Per sheet (4 checks) $5.00 per sheet 
Verification of Deposit    $25.00
Wire Transfers6 Bank-to-Bank Outgoing Wires (Domestic) $25.00
  Bank-to-Bank Outgoing Wires (International) $50.00 
  Bank-to-Bank Incoming Wires $15.00

Rev. April 2022

Rewarding Checking

Kasasa Cash Checking
We’re always looking for ways to give you more. That includes our outstanding checking options powered by Kasasa. With Kasasa Cash Checking, you can earn higher dividends on your checking account balances — up to 6.00% APY. And, you’ll continue to have access to all the best benefits that come standard with Andrews Federal membership, including Early Direct Deposit, mobile check deposits, Digital Banking access and more.
Learn More

Now offering members the option to choose high yield or cash back with new checking accounts powered by Kasasa.

Account Fees

1Monthly fee may be avoided if you maintain a balance of $1,500 or more, OR you receive direct deposits to the Boost Checking totaling more than $3,000 within the month. 

2Monthly fee may be avoided if you meet one of the following criteria: 1) Complete at least 10 Debit Card transactions each month, OR 2) You are under 24 years old, OR 3) You are a U.S. Military member.

3Monthly fee may be avoided if you receive at least $500 in total direct deposits to this account within the month.

4Monthly fee may be avoided if you receive at least $500 in total direct deposits from a military source to this account within the month.

5To avoid these fees, you can view your transaction history, check clearing history and/or current balance in our Mobile App, Digital Banking, or use our automated phone service. To avoid this transfer fee, you can schedule share or loan transfers in our Mobile App or Digital Banking. 

6Withdrawals or transfers from your Money Market account in excess of 6 transactions per month are subject to this excess transaction fee. Fee applies to the 7th withdrawal or transfer and each one after that, within a month. 

7Charge is for each time a check, ACH, or debit transfer request and any other type of item is presented or payment is otherwise requested against insufficient/uncollected funds and the item is returned unpaid. Items may be presented for payment multiple times by the depositing institution.

8Members 18 and under or 62 and older are exempt from the $5 paper statement fee. 

9Fee is per overdraft occurrence (i.e., item paid on insufficient or unavailable funds) when your total negative checking balance is greater than ($12 negative share balance). Cap of $96 in Privilege Pay fees per account per day. For full details regarding this service, review our Terms and Conditions and Privilege Pay disclosures.

10This fee is charged by the credit union when you use a Non-Andrews Federal and/or Non-CO-OP ATM machine. The ATM machine owner/operator may charge additional fees. These additional fees are not associated with, or controlled by, Andrews Federal, and are charged at the owner/operator’s discretion. 

11A Foreign Transaction is any transaction that you or a merchant conducts with your debit card outside of the United States (including transactions made over the Internet from websites headquartered outside of the United States). 

12Fee is per overdraft occurrence (i.e. purchase paid or authorized against insufficient or unavailable funds). Cap of $96 in Privilege Pay fees per account per day. You must be opted in for Privilege Pay coverage of your VISA Debit Card for this to apply. For full details regarding this service, review our Terms and Conditions and Privilege Pay disclosures. 

13To avoid these fees, you can 1) Set up an automated payment by Direct Deposit, or 2) Schedule a monthly payment through Bill Pay, a service accessed through Digital Banking, or 3) Set up a recurring ACH by contacting the credit union. 

14External Account Transfers in Digital Banking can be utilized to avoid this fee. Daily and monthly transaction limits apply. Refer to our Digital Banking Terms and Conditions for details.

 

Business Account Fees

1To avoid these fees, you can view your transaction history, check clearing history and/or current balance in our Mobile App, Digital Banking, or use our automated phone service. To avoid a transfer fee, you can schedule share or loan transfers in our Mobile App or Digital Banking. 

2Possibilities Checking fee waived with average monthly balance of $100; Partnership Checking fee waived with average monthly balance of $5,000.

3Possibilities Checking fee when you exceed 250 combined transactions per month; Partnership Checking fee when you exceed 500 combined transactions per month. (Fee is per transaction above the monthly combined transaction limit. “Combined Transactions” is the total number of deposits and withdrawals to your checking account in a month, including teller transactions, deposits, draft clearings, ACH transactions, wires, account transfers, check withdrawals, etc.)

4Charge is for each time a check, ACH, or debit transfer request and any other type of item is presented or payment is otherwise requested against insufficient/uncollected funds and the item is returned unpaid. Items may be presented for payment multiple times by the depositing institution.

5This fee is charged by the credit union when you use a Non-Andrews Federal and/or Non-CO-OP ATM machine. The ATM machine owner/operator may charge additional fees. These additional fees are not associated with, or controlled by, Andrews Federal, and are charged at the owner/operator’s discretion. 

6To avoid these fees, you can 1) Set up an automated payment by Direct Deposit, or 2) Schedule a monthly payment through Bill Pay, a service accessed through Digital Banking, or 3) Set up a recurring ACH by contacting the credit union. 

7External Account Transfers in Digital Banking can be utilized to avoid this fee. Daily and monthly transaction limits apply. Refer to our business Digital Banking Terms and Conditions for details.