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Lady showing her Pima Federal debit card.


CareFREE Plus Checking

Enjoy the convenience of mobile banking, online banking with Bill Pay, eStatements, and instant issue Visa® debit cards. Plus, take advantage of the added benefit of earning dividends on your funds.
  • No minimum balance or monthly maintenance fees
  • Instant Issue Visa® debit card with ATM access
  • Access to over 55,000 fee-free ATMs nationwide and cash-back option available at most merchants
  • Free overdraft protection from your savings account or established Personal Line of Credit
  • Direct Deposit, Payroll Deduction (a.k.a. pay yourself first) and automatic Bill Pay
  • 24/7 Banking with our Mobile App, Online Banking, Mobile Deposit, and more
  • If you like checks, you can order them through
  • With our enhanced deposit processing you can receive your direct deposit  up to 2 days sooner than traditional banks!1

Now earn 0.25% APY* with a Care Free Plus Checking.

We keep things simple with our CareFREE Plus account and don't require a minimum balance or monthly minimum transactions. Simply meet the following requirements each month to receive your earned dividend:
  • eStatements: Elect to receive electronic statements each month rather than paper statements
  • Direct Deposit: Receive an aggregate minimum of $1,000 in ACH (direct deposit) deposits to your CareFREE Plus account each month
You'll have peace of mind knowing there is no monthly service fee for this account. If you don't meet the requirements at any time, you simply will not receive your dividend payment for that month.   

Courtesy Pay

We understand the unexpected can sometimes occur in life – which is why we offer overdraft protection. Overdraft protection can be set up from multiple Savings Accounts or from a Personal Line of Credit.
Once these sources are exhausted, Courtesy Pay may be available* to cover transactions. We make every effort to pay as many items as possible for our members using the appropriate tier of Courtesy Pay for each account.

If you would like us to authorize and pay overdrafts on ATM and one-time debit card transactions, please complete the Courtesy Pay form below and bring it in to any branch or mail to:
Pima Federal Credit Union
ATTN: Deposit Operations
P.O. Box 50267
Tucson, AZ 85703

To report a lost or stolen Visa® debit or credit card after business hours please call: 1-800-449-7728

*APY= Annual Percentage Yield. The Dividend Rate and APY may change monthly as determined by the Credit Union’s Board of Directors. The APY assumes that dividends will be credited to the account monthly and remain in the account. The APY reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. In order to earn the disclosed APY for CareFree Plus Checking accounts, current enrollment in e-statements and a minimum, aggregate, monthly direct deposit amount of $1,000.00 is required. Rates and terms are subject to change at any time. Fees and other conditions may reduce the earnings on the account. Other account terms and fees may apply.
1Early access to direct deposit funds depends on the timing of the payment file submission from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.