- Learning Hub
- Free Financial Education
- Security
- College Planning and Education Loans
- Benefit Programs
- Financial Resources for Educators
- Insurance
- Financial Wellness in the Community
- Articles & Resource Library
- Financial Calculators
- IRA - Individual Retirement Accounts
- Overdraft Protection Services
- How to Bank Remotely
- 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
- Dundalk Branch
- Perry Hall Branch
- Cockeysville Branch
Privacy Policy
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APGFCU Closed on Monday, October 12
APGFCU will be closed on Monday, October 12.
Online/Mobile Banking, ABBY Telephone Teller and ATMs will be available during this time.
Regular hours will resume on Tuesday, October 13.
Consumer Service Price List
Click here to download a printable version of the service price list.
Effective: March 2, 2026
Account Maintenance
- No Forwarding Address - $5.00 monthly
- Inactive Account (after 12 months of no activity) - $5.00 monthly
- Money Market Share Account - If balance falls under $2,500 - $10.00 monthly
- 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
- Skip-a-Pay Fee - $35.00 each
- 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
- Recurring Electronic Loan Payment - Free
- Escheatment Fee - $75.00
*For additional information on Visa Credit Card Cash Advance, please refer to our Visa Cash Back Credit Card Agreement and Visa Credit Card Agreement.
Money Orders and Checks
- Money Orders - $4.00 each
- Money Order Void Fee - $29.00 each
- Certified Checks - $5.50 each
- Money Wires/Bank Wires
- Incoming - $10.00 each
- Outgoing - $25.00 each
- Outgoing International - $45.00 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
- Out-of-Country Checks - Not Accepted
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
Service and Research
- Balancing Checkbook - $15.00 per hour
- Account Research Time - $5.00 per 15-minute intervals
- Legal Attachments to Account - $100.00 minimum
- Non-Member Cashing APGFCU® Check - $5.00
Coin Counting Machines
- Members 18 and Over
- Printed Voucher - 4% of amount counted
- Direct Deposit via Coin Machine - 2% of amount counted
- Members under 18 - No charge up to $50 (2% of amount counted over $50)
- Non-Member - 12% of amount counted
Safe Deposit Boxes
- Safe Deposit Box Rental (where available) - prices start at $50.00
- Silver Level Benefit - 25% Discount
- Gold Level Benefit - 50% Discount
- Safe Deposit Box Late Fee - $10.00 per month
- Lost Key(s)/Lock Replacement - $25+ Drilling Contractor Fees*
*Contact us for an estimate on drilling contractor fees as prices may vary.
Checking and Debit Card Overdraft
- Share Protection Fee - $10.00 per day
- Visa Credit Card Protection Fee (APGFCU) - $10.00 per day
- Easy Cash Protection Fee - $10.00 per day
- Courtesy Pay†
- Standard Courtesy Pay (Check, ACH, & Other Transactions*) - $32.00 per item
- Extended Courtesy Pay (One-Time Debit Card Transactions**) - $32.00 per day
- Non-Sufficient Funds* - $30.00 per item
†Please refer to our All About Your Accounts agreement for additional information on our Courtesy Pay program.
*Note: Items may be re-presented if there are insufficient funds. Fees are charged each time an item is presented.
**Must opt-in to receive this service.
Replace Lost Cards or PINs
- Visa Debit Card - $7.50 each
- Visa Debit Rush Card Replacement - $35.00 each
- Visa Credit Cards - $7.50 each
- Visa Credit Card Rush Replacement - $35.00 each
- Member Select PINs - Free
ATM Activity
- APGFCU and Allpoint Network ATM Transactions/Inquiries - Free
- Non-APGFCU/Allpoint Network ATM Transactions:
- Account-to-Account Transfer - $1.50 each
- Withdrawals - $1.50 each
- Bronze Level Benefit - $1.25 each
- Silver Level Benefit - $1.00 each
- Gold Level Benefit - Free
- Balance Inquiries - $1.00 each
- Bronze Level Benefit - 75¢ each
- Silver Level Benefit - 50¢ each
- Gold Level Benefit - Free
- 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.
Online Services
- Online Banking - Free
- Online Statements - Free
- Phone Banking - Free
- Mobile Banking* - Free
- Bill Pay - Free
- 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 (Excludes Loan and Visa statements) - $2.00
*Your mobile or internet provider may apply data or usage charges. Please contact your carrier for more information.
Notary Services
- Member - Free
- Non-Member - Not available