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In Observance of Martin Luther King, Jr. Day, Money One FCU will be closed on Monday January 19, 2026.

Please view additional ways to access your account online!

Schedule of Fees & Charges

General Fees

Account Closure

$35.00 if account closed within 12 months

Reopening Account

$35.00 if account reopened within 12 months (limited to reopening one (1) time)

Account Reconciliation/Research

$60.00/Hour and $40.00 minimum charge

Return Mail/Missing/Bad Address

$15.00/Item Returned

Returned Item

$35.00/Item (each submission/resubmission)

Deposit Verification

$35.00

Dormant Account

$35.00/Month after 1 year(s)

Legal Process (tax levies, garnishments)

$100.00

Mailed Receipt

$15.00

Money Order

$10.00/Money Order

Non-member Check Cashing

$35.00 or 10.00% whichever is greater

Notary Service

$8.00/notarial act

Cleared Check Copy

$15.00/Copy Cashier’s Check/Certified Check/Share Draft Check (free through Online Banking/Bill Pay Check Copy)

Cashier’s/Certified Check Stop Payment

$35.00

Mailed Paper Statement

$10.00

Statement/Account History Copy

$15.00/Copy

Tag/Title Processing

$30.00 plus State charge/each

Telephone Inquiry/Transaction by staff member, not online banking or ATM

$10.00/Transfer

In-Branch Cash Advance on any Card

$25.00

Wire Transfer (International)

$60.00 minimum plus cost by Country (varies)

Wire Transfer (Outgoing)

$30.00/Transfer

Account Number Reassignment

$25.00

Cashier’s/Certified Check

$15.00

Escheat Account

$120.00 assessed at time of release to state of Maryland

IRA Withdrawal

$25.00/Withdrawal outside of RMD (1 free per calendar year)

Home Equity/Mortgage Subordination

$375.00

Loan Application

$50.00 (Fresh Start)

Checking Account Fees

Check/Share Draft Printing

Prices may vary depending upon style

NSF

$35.00/Item – each submission/resubmission(s)

Stop Payment

$35.00/Request

Check Copy (Share Draft/Bill Pay)

$15.00/Copy

Paid Exception

$35.00/Item

Courtesy Pay

$25.00/Item

Overdraft Transfer

$15.00/Transfer

Temporary Checks

$5.00/Check, 4 minimum

Plan Checking Monthly Service Charge

$5.95

EFT Fees

ACH Origination

$10.00/Withdrawal

ATM Transaction (Checking Withdrawal)

$0.75/Withdrawal (four (4) free per month)

ATM Transaction (Savings/Line of Credit Withdrawal)

$0.75/Withdrawal

Card Replacement

$30.00/Card lost or damaged

Card Reactivation

$30.00

Declined ATM Transaction

$0.75

Returned Electronic Item

$35.00/Item (each submission/resubmission)

ATM Correction

$25.00 (member error)

Fraudulent ATM Deposit

$60.00

ATM Balance Inquiry

$0.75 (non-proprietary ATMs)

Safe Deposit Box Fees

3” x 5” Box

$35.00/Year

3” x 10” Box

$55.00/Year

5” x 5” Box

$45.00/Year

5” x 10” Box

$80.00/Year

Safe Deposit Box Key Replacement

$80.00

Safe Deposit Box Drilling

$275.00 plus locksmith fees

Specific Account Fees

Premium IMMA – Service Fee

$10.00/Month if average daily balance is not maintained

Club Savings – Withdrawal

$30.00/withdrawal (outside of scheduled date)

Call us (301) 925-4600

Monday-Friday 8:30am-4:30pm

or Contact Us online anytime