- Locations
- Aberdeen Branch
- APG Branch
- Bel Air — Amyclae Branch
- Bel Air — Home Loan Center, Main St. (No ATM)
- Bel Air — Laurel Bush Branch
- Bel Air — Main St. Branch
- Cecil College Branch
- Chesapeake City Branch
- Edgewood Branch
- Elkton Branch
- Fallston Branch
- Forest Hill Branch
- Havre de Grace Branch
- North East Branch
- Rising Sun Branch
- Riverside Branch
- Notary Services
Fraud Texts Security Alert
There is an active scam where identity thieves pretending to be from APGFCU are contacting members via a text alert on their phones. The alert instructs you to click a link, which takes you to a site that appears to be ours to enter your APGFCU login ID and password.
DO NOT CLICK THE LINK IN THE TEXT and only access APGFCU Online Banking via the apgfcu.com website or our mobile app.
Christmas Eve and Christmas Day Closures
All APGFCU offices will be closing at 1 p.m. on Tuesday, December 24 for Christmas Eve, and closed on Wednesday, December 25 for the Christmas Day holiday observance.
Online/Mobile Banking, ABBY Telephone Teller and ATMs will be available during this time.
Regular hours will resume on Thursday, December 26.
Mobile Banking App in Google Play Store is Temporarily Unavailable
The mobile banking app is temporarily unavailable for download in the Google Play Store. Members who have not already downloaded the app may use the browser on their phone (also known as mobile web) to access our online banking. Visit www.apgfcu.com and click “Log In” at the top right corner. We apologize for the inconvenience.
Business Service Charges & Fees List
Click here to download a printable version of the service price list.
Effective: July 22, 2024
Basic Business Checking
- Maintenance Fee if Daily Balance Falls Below $1,000 - $10.00 monthly
- First 125 Deposited Items and 75 Cleared per Month - Free
- Additional Items Cleared - 30¢ each
- First $5,000 Cash Deposited per Month - Free
- Additional Cash Deposited - 12¢ for each $1,000
- Dividends Paid - standard rate*
Business Plus Checking
- Maintenance Fee if Daily Balance Falls Below $10,000 - $15.00 monthly
- First 225 Deposited Items and 125 Cleared per Month - Free
- Additional Items Cleared - 30¢ each
- First $10,000 Cash Deposited per Month - Free
- Additional Cash Deposited - 12¢ for each $1,000
- Dividends Paid - standard rate*
Premium Business Checking
- Maintenance Fee - $20.00 monthly
- First 325 Deposited Items and 175 Cleared per Month - Free
- Additional Items Cleared - 30¢ each
- First $35,000 Cash Deposited per Month - Free
- Additional Cash Deposited - 12¢ for each $1,000
- Dividends Paid - tiered based on balance*
Not-for-Profit Checking
- Maintenance Fee - none
- First 325 Deposited Items and 175 Cleared per Month - Free
- Additional Items Cleared - 20¢ each
- Cash Deposited per Month - No limit
- Dividends Paid - tiered based on balance*
*See our rate sheet for current rates.
Coin and Currency
- Currency Supplied - 20¢ per strap
- Rolled Coin Supplied - 10¢ per roll
- Rolled Coin Deposited - 10¢ per roll
- Bulk Coin Deposited - $5.00 per bag
- Coin Counting Machine - 9% of amount counted
Remote Deposit Capture
- 50 or fewer items per month - $25.00 per month
- 51-100 items per month - $50.00 per month
- 101 or more items per month - $75.00 per month
Account Maintenance
- Business Money Market Below Minimum Balance - $10.00
- Night Drop - $2.00 per container (not-for-profit accounts are exempt)
- Stop Payment - Pre-Authorized and Checking - $29.00 each
- Stop Payment - Credit Union Checks - $29.00 each
- Stop Payment - Visa® Credit Card Convenience Check - $29.00 each
- Deposit Correction Notice - $2.00 each
- No Forwarding Address Fee - $5.00 monthly
- Inactive Account (after 12 months of no activity) - $3.00 monthly
- Closed Membership Account within 60 Days of Opening - $15.00
- Visa Credit Card Cash Advance - $2.00 per advance
- Items Sent for Collection - $20.00 each
- Reoccurring Electronic Loan Payment - Free
- Out-of-Country Checks - Not accepted
- Escheatment Fee - $20.00
Wires
- Incoming - $10.00 each
- Outgoing Assisted Wire - $40.00 each Domestic / $60.00 each International
- Outgoing Online Wire - $25.00 each Domestic / $40.00 each International
Checking and Debit Card Overdraft
- Share Protection Fee - $10.00 per item
- Visa Credit Card Protection Fee (APGFCU®) - $5.00 per day
- Easy Cash Protection Fee - $5.00 per day
- Non-Sufficient Funds/Uncollected Funds* - $32.00 per occurrence (paid or returned)
- Returned Check - $20.00 per item
*Note: Items may be re-presented if there are insufficient funds. Fees are charged each time an item is presented.
Money Orders and Checks
- Money Orders - $2.00 each
- Certified Checks - $5.50 each
- Western Union Commercial Money Orders
- $0 - $10,000 - $20.00 each
- Each additional $10,000 - $20.00 each
International money order fees may vary.
- Credit Union Checks in Branch
- 1st Check - Free
- Additional Checks - $5.00
Service and Research
- Account Research Time - $5.00 per 15-minute intervals
- Balancing Checkbook - $15.00 per hour
- Legal Attachments to Account - $100.00 minimum
Document Copies
- Member - $5.00 per copy
- Non-Member - $5.00 per copy
Includes check copy, statement copy, account inquiries/history copy, photocopies, Visa sales slip copy, and other miscellaneous account information.
Notary Services
- Member - Free
- Non-Member - Not available
Replace Lost Cards
- Visa Debit Card - $7.50 each
- Visa Debit Card Rush Replacement - $25.00 each
- Visa Credit Card - $7.50 each
- Visa Credit Card Rush Replacement - $12.50 each
ATM Activity
- APGFCU and Allpoint Network ATM Transactions/Inquiries - Free
- Non-APGFCU/Allpoint Network ATM Transactions
- Account-to-Account Transfer - $1.50 each
- Withdrawal - $1.50 each
- Balance Inquiry - $1.00 each
- Surcharge** (Allpoint Network) - None
- Surcharge** (Non-Allpoint Network) - determined by ATM owner
- ATM Deposit Misuse Fee - $50.00 each
**Fees may be charged by the company that owns the ATM (called a surcharge). If there is a surcharge, the fee amount will be displayed on the ATM screen, and you have the option to cancel the transaction if you do not want to pay the fee.
Safe Deposit Boxes
- Safe Deposit Box Rental (where available) - prices start at $50.00
- Lost Key(s)/Lock replacement - $25 + Drilling Contractor Fees***
***Contact us for an estimate on drilling contractor fees as prices may vary.
Convenience Services
- Online Banking with Bill Pay - Free
- Mobile Banking for Business1 - Free
- Visa Debit Card - Free
- Online Statements with Check Images - Free
- Phone Banking - Free
- ACH Origination - $10 per file
- Bill Pay Stop Payment - $25.00 each
- Bill Pay Check Copy - $5.00 each
- Bill Pay Overnight Check - $14.95 each
- Bill Pay Same-Day Payment - $9.95 each
- Standard External Transfer - Free
- Next-Day External Transfer - $5.00 each
- Mailed Paper Statement (When online banking is activated. Excludes loans and Visa statements.) - $2.00
- Positive Pay Service - Free
- Positive Pay Issued Check File - Free
- Positive Pay ACH Transaction - Free
1Message and data rates apply. Contact your mobile carrier for more information.