facebook pixel Skip to main content

Google PlayApple Store
Serving members worldwide since 1935.

Overdraft Protection

  • Protection against inadvertent overdrafts
  • No fee for this privilege
  • Ability to pay overdrafts on ATM transactions

Enjoy additional free services with Relationship Checking.

Earn Dividends on Checking

APY*

Open a Checking Account

Full Rate Details
Account DisclosuresOpens in New Window

Protect yourself from accidental overdrafts with our overdraft protection:

Overdraft Privilege

Overdraft Privilege helps protect you against having your checks returned in the event of an inadvertent overdraft of your account by giving you a reserve for emergencies or unexpected situations. There is no fee for having this privilege on your account, you are only charged if you overdraw your account.

Overdraft Privilege is not a line of credit. However, if you overdraw your account, we will normally pay the overdraft, subject to the limit of your Overdraft Privilege, after any Lines of Credit already established have been exhausted.

ATM Overdraft Opt-In

Want us to authorize and pay overdrafts on your ATM transactions? Log into Online Banking a complete the Courtesy Pay Opt-In Form, or stop by any of your local branches.

If you do not want us to authorize and pay overdrafts on ATM transactions, please submit an Opt-Out of Courtesy Pay Form.

The Federal Reserve Board implemented a new regulation called "Check 21" on October 28, 2004. This regulation was intended to make the movement of a check through the Federal Reserve System more efficient. It permits credit unions and other financial institutions to use a new negotiable instrument called a "substitute checks" in place of an original check. A substitute check is the legal equivalent of the original check and includes all of the same information.

How will Check 21 affect you? The most noticeable way it affects our members is that checks will clear sooner, increasing the risk that a check will be returned if the funds are not in the account when the check is written. You are urged to always be sure funds are available in your accounts prior to writing checks.

For more information about this regulation, visit www.federalreserve.govOpens in New Window.

Have Questions? Just ask.
Open an Account

Full Rate Details
Account DisclosuresOpens in New Window

Knowledge is power. Be in the know for financial betterment.

  • atm-cash-withdrawal
    Shared Branches & ATMs

    Our members have access to Co-Op Network Shared Branches & ATMs for all basic transaction needs.

    Access branches and ATMs nationwide

  • Home Advantage Family on porch
    Search, Buy, Sell & Save

    Lafayette Federal HomeAdvantage is a free member service that can help you buy, sell and save on your home.

    Save $100s to $1,000s in Cash Rewards*

  • Woman in New Car
    Auto Loans

    Dreaming of a new ride? Let us finance your next new, used, or fuel-efficient vehicle.

    Rates as low as 2.375% APR*

(301) 929-7990

Lafayette Federal Credit Union is one of the premiere financial institutions in the Washington, D.C. area, now serving DXC and CSRA employees. Since our founding in 1935, we have sought to provide our members with a safe and convenient place to save, and to offer loans at rates and terms more favorable than those of other financial institutions. We also work hard to provide top-notch customer service. Contact us to obtain a copy of our Annual Report.

Toll-Free
+1 (800) 888-6560

Lost Card?
Debit: +1 (888) 918-7802
Credit: +1 (800) 449-7728

Routing #: 254074811

Branch Locations

Maryland
Kensington, MD 20895
Potomac, MD 20854
Rockville, MD 20852

Virginia
Crystal City, VA 22202
McLean, VA 22101


Washington, DC
Pennsylvania Avenue, NW
3rd Street, SW
Kenyon Street, NW

Find a Branch or ATM
Holiday Closings

Equal Housing LenderOpens in New WindowProud Member 2020Opens in New Window
© 2020 Lafayette Federal Credit Union
Federally Insured by NCUAOpens in New Window
Site by VisionsOpens in New Window