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USA Patriot Act

The USA Patriot Act requires credit unions to take extra security precautions to help the government fight the funding of terrorism and money laundering activities. Federal law requires all financial institutions to obtain, verify, and record information that identifies each person that opens an account. These new procedures are designed to prevent crimes, such as identity theft and account fraud that terrorists commit to finance their operations against the U.S. and its citizens.

Your understanding and cooperation are appreciated.

When an account is opened or changed, you will be asked for you name, address, date of birth, and other information that will allow us to identify you. Priority Plus Federal Credit Union may also ask to see your driver’s license or other identifying government issued documents. The definition of an account covers a broad range of regular financial transactions such as deposit, transaction, asset, or credit accounts or other extension of credit. The required verification may be inconvenient for some but a strong deterrent for terrorists and other criminals. You can rest assured that we will only request the information required by the law and that we will use the information only for purposes of complying with the law. Your privacy is our top concern, and we will respect and protect it consistent with the law’s requirements.

Thank you for your understanding and help in this critical effort.


Effective February 1, 2024
ACH/Share Draft Insufficient Funds Return$25
Debit/ATM Overdraft$25
ATM Withdrawals 4 free per month; $1 per occurrence thereafter
Visa Debit Card Replacementup to $30
Certified Check Fee$2
Closed Account Fee (shares)$10 (if closed within 6 mos. of opening)
Dormant Account Fee (2 yrs. Dormancy/ balance below $100)$5 monthly
Early WithdrawalVacation Savings Account - $10
Holiday Savings Account - $10
Late Payment on Loans$20
Imaging fee$1 per page
Money Order Fee$1
Non-returned unused checks after account closing$10
NSF Clear (Courtesy Pay)$20
Overdraft Transfer Fee$3
Returned Deposit/Loan Payment$20
Share Draft Copy1 free per month; $2 each thereafter
Statement Copy$2 per period
Stop PaymentACH/Share Draft - $10
Official Check/Money Order - up to $25
Travel Money Card$5
$2 reload
Wire Transfer Fees (Incoming)$15
Wire Transfer Fees (Outgoing)One time - $20
Recurring - $15 (signed agreement)

This is the best federal credit union that I know. I will tell anyone and everyone about Priority Plus. The service is excellent – please come check it out!

— Diana T. May 14, 2021

The service is great and the staff is very accommodating. Thank you [Priority Plus] for being here for me!

— Sakeenah S. February 25, 2022

The online banking and mobile app are great! Fast and simple fingerprint access. Highly recommend!

— Frederick C. June 10, 2022

Wonderful people, helpful and quick to respond. Great online services!

— Melanie Jianniney December 9, 2016

I knew I made a great decision because the employees were the friendliest and most knowledgeable people I have met. I had nothing but a positive experience with them during my time in Wilmington.

— Norwood August 29, 2013

I was impressed with the competitive interest rate they offered for my car loan. They beat out the big guys! ... They provide excellent customer service that's very well personalized and professional.

— Missy White July 7, 2013