- 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
- Branch Appointment Requests
Branch Access Information
All APGFCU branch lobbies are open for teller transactions except for the Cecil College branch. Member services by appointment. Click for details.
Banking Notice
Business Service Charges & Fees List
Click here to download a printable version of the service price list.
Effective: January 25, 2021
Basic Business Checking
- Maintenance Fee if Daily Balance Falls Below $1,000 - monthly $10.00
- First 125 Deposited Items and 75 Cleared per Month - Free
- Additional Items Cleared - each 30¢
- 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 - monthly $15.00
- First 225 Deposited Items and 125 Cleared per Month - Free
- Additional Items Cleared - each 30¢
- 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 - monthly $20.00
- First 325 Deposited Items and 175 Cleared per Month - Free
- Additional Items Cleared - each 30¢
- 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 - each 20¢
- 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¢ for every dollar 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 - each $29.00
- Stop Payment - Credit Union Checks - each $29.00
- Stop Payment - Visa® Credit Card Convenience Check - each $29.00
- Deposit Correction Notice - $2.00 each
- Address Search - monthly $5.00
- Inactive Account (after 12 months of no activity) - monthly $3.00
- Closed Membership Account within 60 Days of Opening - $15.00
- Visa Credit Card Cash Advance - per advance $2.00
- Items Sent for Collection - each $20.00
- Reoccurring ACH Convenience Loan Payment - Free
- One-time ACH Convenience Loan Payment - $5.00
- 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 / $35.00 each International
Checking and Check Card Overdraft
- Share Protection Fee - per item $10.00
- Visa Credit Card Protection Fee (APGFCU) - per day $5.00
- Easy Cash Protection Fee - per item $5.00
- Non-Sufficient Funds/Uncollected Funds - $32.00 per occurrence (paid or returned)
- Returned Check (not APGFCU) - per item $20.00
Money Orders and Checks
- Money Orders - each $2.00
- Certified Checks - each $5.50
- Western Union Commercial Money Orders
- $0 - $10,000 - each $20.00
- Each additional $10,000 - each $20.00
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 - minimum $100.00
Document Copies
- Member - per copy $4.00
- Non-Member - per copy $5.00
Includes check copy, statement copy, account inquiries/history copy, photocopies, Visa sales slip copy, and other miscellaneous account information.
- Notary
- Member - Free
- Non-Member - per page $4.00
Replace Lost Cards
- ATM/Visa Check Card - each $7.50
- Visa Credit Card - each $7.50
ATM Activity
- APGFCU and Allpoint Network ATM Transactions/Inquiries - Free
- Non-APGFCU/Allpoint Network ATM Transactions
- Account-to-Account Transfer - each $1.50
- Withdrawal - each $1.50
- Balance Inquiry - each $1.00
- Surcharge** (Allpoint Network) - None
- Surcharge** (Non-Allpoint Network) - determined by ATM owner
- ATM Deposit Misuse Fee - each $50.00
**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 - $10 per file
- Bill Pay Stop Payment - each $25.00
- Bill Pay Check Copy - each $5.00
- Bill Pay Overnight Check - each $14.95
- Bill Pay Same-Day Payment - each $9.95
- Standard External Transfer - Free
- Next Day External Transfer - each $5.00
- Popmoney Transaction - each $1.00
- Mailed Paper Statement (When online banking is activated. Excludes loans and Visa statements.) - $2.00
1Message and data rates apply. Contact your mobile carrier for more information.