When you think about it, our business is pretty simple. At our core, we have a few main products that people use us for . . . and we love them for it. You're a saver? That's great! We love savers. In this section, you can learn all about our Savings Accounts, Checking Accounts, Money Markets, CDs and IRAs. And since we know you are busy, we have a Mobile Banking App and Mobile Deposit so you can deposit a check into your Savings or Checking account from wherever you are.
To open an account, please visit one of our financial centers.
Courtesy Pay and Fee Schedule
How does Pima Federal Credit Union treat overdrafts on my account?
An overdraft occurs when you do not have enough available money in your account to cover a transaction. You may have overdraft protection set up from multiple Savings Accounts or Line of Credit Loan.
Once these sources are exhausted, Courtesy Pay may* cover the transactions and will charge you a fee. Our current Courtesy Pay limit is $500.00**.
To sign up, please visit one of our financial centers.
Fine Print: You must know.
We do authorize and pay overdrafts for the following types of transactions:
|Type of transactions||Do I have Courtesy Pay coverage?||Current fee per transaction|
|Automatic Bill Payments (Automated Clearing House (ACH))||Yes*||$28.00|
|Transaction using your checking account number (over the counter)||Yes*||$28.00|
|ATM Transactions||No, unless you sign up for it (see below)||$28.00|
|One-time debit card transactions||No, unless you sign up for it (see below)||$28.00|
You may have previously asked that we remove you from Courtesy Pay or we may have exercised our right to revoke your Courtesy Pay.
ATM and One-Time Debit Card Transactions
If you would like us to authorize and pay overdrafts on ATM and one-time debit card transactions, please call (520) 887-5010 (in Tucson) or (800) 746-2328 (outside of Tucson). You may also complete the authorization form and bring it to any Financial Center or mail it to:
Pima Federal Credit Union
ATTN: Payment Services Department
P.O. Box 50267
Tucson, AZ 85703
*We do not guarantee that we will always authorize and pay any type of transaction. There is no limit on the total fees we can charge you for overdrawing your account. If we do not authorize and pay an overdraft, your transaction will be declined. You will be charged a fee for insufficient funds per our Fee Schedule.
** You may be eligible for $750 if your checking account has been open for more than two years.
Due to NCUA Regulations, we must place this information on our site regarding our current fee structure. We would have anyway . . . just because it's the right thing to do. View our Fee Schedule.Back to Top