FedFinancial Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are committed to accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 301-881-5626 and we will be happy to assist you. All products and services available on this website are available at our branch and over the phone.


FedFinancial offers a superior checking account option. Our WOW Checking rewards direct deposit and bill pay account users with great dividends!

Checkmark  No minimum balance

Checkmark  Free online statements and check images

Checkmark  Free Online Banking

Checkmark  Free Online Bill Pay

Checkmark Free Mobile Banking

Checkmark  Free Mobile Deposit*

Checkmark  Free VISA Check Card

Checkmark Overdraft Protection

Checkmark  Bank at over 5,000 Shared Branches Nationwide

Checkmark 80,000+ Free ATMs Nationwide

Checkmark  Unlimited Check Writing

Checkmark  Earns dividends


*Must qualify for mobile deposits.

Open an Account Today

Overdraft Protection

Overdraft protection is a flexible line of credit that automatically covers checks that overdraw checking accounts for FedFinancial FCU members.

  • Overdraft protection gives you access to cash immediately when you need it – reduce the stress of managing cash flow when an unusual or unexpected expense wipes out your available funds.
  • The line of credit can also be used for a vacation, bill consolidation and more!
  • Low rates make this an affordable money management tool.

FedFinancial FCU strongly recommends that all checking account holders apply for this product instead of using Overdraft Privilege.

Overdraft Privilege

Automatic overdraft privilege is available to FedFinancial FCU members in good standing* who have a checking account. Should you accidentally exceed the balance in your checking account, overdraft privilege can:

  • Protect your credit rating and save you the embarrassment and cost associated with a returned check
  • Automatic coverage, $500 limit per account
  • No enrollment, applications, or additional signatures required
  • Only $35 non-sufficient funds fee per item overdrawn
  • Automatic overdraft notification
  • To remove this protection from your share draft account, call (301) 881-5626 or email us. To opt out of overdraft coverage of checks and automatic bill payments, we may require you to sign and return a form by mail.

Overdraft Privilege normally covers:

  • Checks and other transactions using your checking account number
  • Automatic bill payments

You have the option of also authorizing FedFinancial to pay overdrafts on:

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, and do not guarantee that we will always authorize and pay any type of transaction.

Overdraft privilege is not available on money market accounts.

Funds Availability Policy Disclosure

*You are a member in good standing if you have had an account with FedFinancial for at least 90 days, make regular deposits to that account, and bring your account back to a positive balance at least once every 30 days. New active checking account holders are eligible 90 days after account is opened.

Click here for rates