Washington County Teachers Federal Credit Union

Headquarters: Hagerstown, Maryland
Charter: Credit Union
Assets: $96.5M
Fed district: Richmond

14 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Washington County Teachers Federal Credit Union: $25
Washington County Teachers Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Compared at $20, the middle of its prices
Washington County Teachers Federal Credit Union: $15 to $25
Washington County Teachers Federal Credit Union: $15 to $25
U.S. median: no median
Non-Network ATM
Washington County Teachers Federal Credit Union: No fee
Washington County Teachers Federal Credit Union: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Maryland: Banks and credit unions headquartered in Maryland that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Washington County Teachers Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closed within 30 Days of Opening$20
Dormant Account Fee$25
Account Maintenance Upon Member Request (1 hour mininum/per hour fee) Account Balancing Assistance Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft (each overdraft paid)$25
per item
Nonsufficient Funds - Draft$25
Nonsufficient Funds - Force Post ATM/Debit$15

ATM & Card

ATM Transactions at Non-WCTFCU Owned ATMsNo charge
Replacement ATM/Debit Card$8

Wire Transfers

Domestic Wire Transfer (Outgoing)$8
International Wire Transfer (Outgoing)$30

Check Services

Money Orders$0.50
Stop Payments (Drafts and ACH)$20
Stop Payments (Official Credit Union Check)$35
Copy of Draft$15
Digital Banking Check CopiesNo charge

Digital & Electronic

Digital Banking and BillPayNo charge

Cash & Deposit

Return Deposit Item$15

Account Services

Replacement Lock Box Key (each)$15
Not compared: Box drilling or key fee
per item
Levies & Garnishments$25

Fee	Amount	Basis	Note
Account Maintenance
Account Closed within 30 Days of Opening	$20	Not stated	None
Dormant Account Fee	$25	Not stated	None
Account Maintenance Upon Member Request (1 hour mininum/per hour fee) Account Balancing Assistance Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft (each overdraft paid)	$25	per item	None
Nonsufficient Funds - Draft	$25	Not stated	None
Nonsufficient Funds - Force Post ATM/Debit	$15	Not stated	None
ATM & Card
ATM Transactions at Non-WCTFCU Owned ATMs	No charge	Not stated	None
Replacement ATM/Debit Card	$8	Not stated	None
Wire Transfers
Domestic Wire Transfer (Outgoing)	$8	Not stated	None
International Wire Transfer (Outgoing)	$30	Not stated	None
Check Services
Money Orders	$0.50	Not stated	None
Stop Payments (Drafts and ACH)	$20	Not stated	None
Stop Payments (Official Credit Union Check)	$35	Not stated	None
Copy of Draft	$15	Not stated	None
Digital Banking Check Copies	No charge	Not stated	None
Digital & Electronic
Digital Banking and BillPay	No charge	Not stated	None
Cash & Deposit
Return Deposit Item	$15	Not stated	None
Account Services
Replacement Lock Box Key (each)	$15Not compared: Box drilling or key fee	per item	None
Levies & Garnishments	$25	Not stated	None

Correct a fee source

Nov 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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