You may use your Card and Personal Identification Number/Password (PIN) in automated teller machines of the FRB FCU, Star, and Cirrus Networks and such other machines or facilities as the FRB FCU may designate. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your share draft account. If the balance in your account is not sufficient to pay the transaction amount, the FRB FCU will pay the amount and treat the transaction as a request to transfer funds from approved overdraft protection accounts, line of credit loan accounts, or other share accounts that you have established with the FRB FCU. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the FRB FCU. In the event of repeated overdrafts, the FRB FCU may terminate all services under this Agreement.

You may use your Card to perform the following ATM and Point of Sale (POS) transactions:

• Withdraw funds from your share and share draft accounts.
• Transfer funds from your share and share draft, and Cu-Line accounts.
• Make balance inquiries.

The following limitations on the frequency and amount of ATM transactions may apply:

• You may make up to fifteen (15) Cash Withdrawals from an ATM Machine in any one day. You may withdraw up to a maximum of $310.00 from an ATM machine in any one day if there are sufficient available funds in your account.
• You may make up to fifteen (15) Point of Sale (POS) Transactions in any one day. You may make POS transactions up to $310.00 in any one day if there are sufficient available funds in your account.
• The maximum aggregate ATM and POS Withdrawals and Transactions you may make in one day is $310.00.
• For security purposes, there may be other limits on the frequency and amount of transfers available at ATMs.
• Transfer limitations that may apply to these transactions are listed in this brochure.

Because of servicing schedules and processing time required in ATM transactions, there could be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal. You should review the FRB FCU's Funds Availability Policy to determine the availability of funds deposited.

You may use Audio Teller (an audio response service) to access your accounts via a touch-tone telephone. Service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. If we approve the Audio Teller access service for your accounts, a separate personal identification number/password (PIN) will be assigned to you. You must use your PIN along with your account number to access your accounts. This PIN will also enable access to the Net Teller Program.

At the present time, you may use the audio response access service to:

• Withdraw funds by check from your share and share draft accounts.
• Transfer funds from your share and share draft accounts.
• Obtain balance information.
• Make loan payments from your share and share draft accounts.
• Access your CU Line of Credit.
• Determine if a particular item has cleared.
• Verify the last date and amount of your deposits.

Transfer limitations that may apply to these transactions are listed in this brochure. All withdrawal checks are payable to you as a primary member and will be mailed to your address of record. The FRB FCU reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds.

The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each telephone call.

Get up-to-the-minute account information by dialing

         (202) 872-9040.

If you are outside of the metropolitan Washington, D.C., area, dial (800) 628-2358.

         Application Form (75.9 KB PDF)

FRB Federal Credit Union ATM card may be used at machines displaying the following logos:

         STAR      CIRRUS

The on site FRB Federal Credit Union ATM may be used 24 hours a day, 7 days a week with no fees or surcharges to members using FRB FCU cards!

         Application Form (20.7 KB PDF)

You may utilize our Bill Payment Program to streamline payments to your creditors. Access will require the use of a Personal Identification Number/Password along with your account number. The bill payment service is accessed via the Net Teller program. Bill payments will be processed as specified in the Bill Payment Agreement. We cannot guarantee the time that any vendor will credit a payment to your account with them.

There is no limit on the number of bill payments per day.

Yes! You can get cash from your account 24 hours a day in the credit union lobby from our cash machine.

Change of Address Form (21 KB PDF)

Members may cash checks drawn on other institutions at the teller windows.

Official Credit Union checks may be used to withdraw funds from share accounts.

     See Schedule of Fees.

Upon instruction of (i) your employer or (ii) the Treasury Department or (iii) other financial institutions, the FRB FCU will credit Direct Deposits of your paycheck or federal recurring payments, such as Social Security and non recurring payments, such as tax rebates to your share or share draft account.

If the FRB FCU agrees upon your instruction, you may pay certain recurring transactions from your share draft account. Upon your instruction through another financial institution, you may make regular electronic payments from your share draft account.

If the regular payments vary in amount, the person you are going to pay will tell you ten (10) days before each payment when it will be made and how much it will be.

The institution originating the ACH item will require the following ABA number for the FRB Federal Credit Union, ABA 254-074581, followed by the member's account number. The originating institution will encode the transmission to specify the type of account to be accessed (Checking/Savings).

Transfer limitations that may apply are listed on this website.

If you choose, a portion of your payroll can be deposited to your savings or other designated account to:

• Build your savings
• Save in a special purpose account
• Provide for your automatic loan payments

Foreign checks, money orders, and traveler's checks can be sent for collection. Credits to members' accounts are delayed until funds are received by the Credit Union.

The FRB Federal Credit Union will grant immediate availability of funds on checks deposited to a credit union share account.

Funds may be withdrawn on the day of deposit.

After the funds have been made available and are withdrawn from the account, members continue to be responsible for any item returned to the credit union as unpaid or for any other problems involving the deposit.

The FRB Federal Credit Union reserves the right to deny immediate availability on large deposits (pending confirmation that funds are present and available in the account on which the check is drawn), on new accounts, or on accounts in which there has been abuse of the credit union's policy of immediate availability. If the credit union exercises this right it will be communicated to the member at the time of deposit or by a letter dated as of the date of deposit.

American Express Gift checks can be purchased at the teller window.

      Fee   $1.50 per check

For your convenience, deposit envelopes are stored outside the credit union teller section. They may be used to make drop-off deposits after hours.

You can make deposits and loan payments by U.S. Mail or FRB inter-office mail (Stop 117).

      FRB Federal Credit Union
      PO Box 9867
      Washington, DC 20016

Money orders may be purchased at the teller window.

     See Schedule of Fees.

You may use Net Teller to access your accounts using a personal computer via our Internet site "FRBFCU.com" or via the "Inside the Board Web Site -- Quick Links -- Credit Union." Service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. If we approve Net Teller access for your accounts, a separate Personal Identification Number/Password (PIN) will be assigned to you. You must use your PIN along with your account number to access your accounts. This PIN will also enable access to the Audio Teller Program.

At the present time, you may use the access service to:

• Withdraw funds by check from your share and share draft accounts.
• Transfer funds from your share and share draft accounts.
• Obtain balance information.
• Make loan payments from your share and share draft accounts.
• Access your CU Line of Credit.
• Determine if a particular item has cleared.
• Verify the last date and amount of your deposits.

All withdrawal checks are payable to the primary member or the joint account holder and will be mailed to your address of record. The FRB FCU reserves the right to refuse any transaction that would draw upon insufficient funds, exceed a credit limit or lower an account below a required balance, or otherwise require us to increase our required reserves on the account. We may set lower limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each access.

See Net Teller.

Quick Cash Service Transfer Authorization Form (Acrobat 28.1 KB PDF)

The credit union participates in the Stamp Medallion Signature Guarantee Program. Whenever you need a signature guarantee simply call the credit union.

To initiate the transfer of funds into an account at the credit union, the following information must be provided to the financial institution initiating the wire transfer.

Wire Funds To:

MidAtlantic Corporate Federal Credit Union

Harrisburg, PA

ABA: 231-387550

For Further Credit To:

FRB Federal Credit Union

Washington DC

ABA 254-074581

For Final Credit To:

Member Name

Member Account Number

Type of Account Savings/Checking

Wire Transfer Authorization Form (Acrobat 25 KB PDF)

Preauthorization for Wire Transfer and Security Password Form (Acrobat 83 KB PDF)

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