Labor CU will never ask for your PIN, online banking password, full Social Security number, or CVV code via text, email, or an unsolicited phone call. Any message requesting this information is a scam attempt. If you receive such a request, do not click links or respond; hang up and call the number on the back of your card directly or our main line at (202) 789-2901. Learn to protect yourself at our Fraud & Prevention page.

Online Banking

Fees & Disclosures

Fee Schedule

The rates and fees appearing in this schedule are accurate and effective for accounts as of January 1, 2026.

Savings/Share AccountFees
Membership Opening Deposit$5.00
Minimum Balance Fee (Per month if share account balance falls below $5.00)$1.00
Close Account (w/in 6 months)$25.00

Checking AccountFees
Overdraft Fee$14.00
Stop Payment - Per Request/Per Series$35.00/$45.00
Online Check Withdrawals/Transfers$5.00
Check PrintingVaries
Check Copy - Per Check (FREE Online)$5.00

Loan ServiceFees
Credit Card Replacement$10.00
Expedited Credit Card Replacement$40.00
Returned Loan Payment - Per Item$30.00
Delinquent Loan Payment10% of late payment due, up to $35.00
Flex Loan Payment Modification$30.00
Mastercard Late Payment - Up to $20.00
Mastercard Return Payment - Up to$30.00
Mastercard Foreign Transaction Fee - Percentage of Transaction1.0%
Stretch Pay Annual Fee for $750 Limit$120.00
Stretch Pay Annual Fee for $500 Limit$70.00
Stretch Pay Annual Fee for $350 Limit$35.00
Stop Payment Loan Check$20.00
Skip a Pay$35.00
Subordination Fee$150 - $250.00

Electronic Funds Transfer Fees
Non-proprietary ATM Withdrawal - Per Transaction$4.50

Business AccountsFees
Freedom Checking Monthly MaintenanceFREE

Other Service (Apply to All Accounts)Fees
Bad Address Monthly Fee$5.00
Account Research/Reconciliation - Per Hour$30.00
Account History Documentation - (FREE Online)$5.00
ATM/Debit Card Replacement - Lost/Damaged$5.00
ATM/Debit Card Replacement - Expedited$40.00
Official or Certified Check - Per Check$5.00
Official/Certified Check or Money Order Stop Payment Request$40.00
Collection Fee for Charged-Off Share/Checking Accounts$75.00
Dormant Account Fee (No Activity or Updated in 12 Consecutive Months) - Per Month$5.00
Gift Card - Mastercard - Cost Per Card$4.95
Member Locator Fee - Per Account$35.00
Money Order - Per Item$5.00
Notary Fee - Per Signature (Non-member)$5.00
Overdraft Fee (Drafts, ACH, POS, ATM or Other Electronic Means)$14.00*
Online Bill Payer Returned Item$30.00
Online Bill Payer Stop Payment - Per Item/Per Series$35.00/$45.00
Paper Statement Fee (Monthly) - Free via eStatements$3.50
Returned Deposited Checks - Per Check$30.00
Returned Mail - Per Item$5.00
Statement Copy - Per Month (FREE Online)$2.50
Stop Payment - ACH & Checking - Per Item/Per Series$35.00/$45.00
Tax Levies/Attachments & Escheatment of Accounts$100.00
Vehicle Security Insurance (VSI)$25.00
Verification of Deposit$10.00
Wire Transfer Domestic (Outgoing) Per Transfer$25.00
Wire Transfer International (Outgoing) - Per Transfer$45.00
Holiday Club - Early Withdrawal$5.00
Express Title Release (Electronic title release to DMV)$25.00

DISCLOSURES

Truth-In-Savings