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Disclosures

 
 
 
 

Beginning December 1, 2018, withdrawal limitations will be in place for share savings and special savings accounts:

  • All Savings & Money Market Accounts: 
    Electronic Funds Transfer & Third Party Checks in Excess of 6 . . . $10/item 


Pima Federal Fee Schedule
Effective December 1, 2018
 
 

Checking Account

Free Checking (Monthly Fee) None
Fresh Start Checking (Monthly Fee) $10
Insufficient Funds (per each presentment of each item including ATM/Debit) $29 
Courtesy Pay $29 
Stop Payment (per stop) $29 

All Savings & Money Market Accounts

Electronic Funds Transfer & Third Party Checks in Excess of 6 $10/item

Miscellaneous Fees

Returned Mail Fee $5
EFT Transactions: NSF Fees (per item) $29 
Visa® Replacement Card (per card) $10 
Visa® Express Delivery (per mailing) At Cost 
International Service Assessment Fee At Cost 
Account Closed Within 6 Months $20
Deposited Check Accepted for Collection (per item) $15
Cashier’s Check (per check) $2
Cashier’s Check Stop Payment-Plus Indemnification Agreement (per stop) $29 
Returned Deposited Item Fee (per item) $29 
Inactive Account (after 1 year of inactivity; waived for minors) $10/month 
Wire Domestic-Outgoing $20 
AZ Vehicle Title Fee (plus MVD and third party costs) $10 
Out-of-State Vehicle Title Fee (plus MVD and third party costs)
$100
Reconveyance Fee At Cost 

Safe Deposit Boxes

Key Deposit (per box) $20 
Drilling of Lock (per box-Actual Cost) Min. $100 
Lost Key (each) $20 

Annual Rental (per box): 

3" x 5" box – $25 5" x 10" – $65
5" x 5" box – $37 7" x 10" – $80
3" x 10" box – $45 10" x 10" – $105

Reg D Frequently Asked Questions (FAQ) 

 
What is Regulation D (Reg D)?
Reg D is a federal regulation that limits the number and type of withdrawals from Savings, Additional Savings or Money Market Accounts to six per month (per account).
 
What is the purpose of Reg D?
The purpose of Reg D is to regulate the level of reserves a financial institution maintains. The required reserve amount for each financial institution is based on the balances it has in its transactional accounts, such as Checking Accounts.
 
What policy change is Pima Federal Credit Union making to comply with Reg D?
Effective December 1, 2018 overdrafts from Savings or Money Market Accounts to cover debit card transactions will be included in the six withdrawals permitted under Reg D. Therefore, debit card transactions that attempt to draw from a Savings or Money Market Account when there are insufficient funds in checking – beyond the six permitted each month – will be denied, unless other forms of overdraft are set up on the account.
 
How does Reg D affect my account?
If you have a Pima Federal Savings or Money Market Account and frequent withdrawals are made from any one of those accounts to cover overdrafts from your Checking Account, Reg D withdrawal limits could possibly result in denied debit card transactions on your account.
 
When does the Reg D counter reset?
The Reg D counter resets at the beginning of each month, bringing the debit card counter and the ACH/draft counter back to zero.
 
What types of transactions are counted toward the 6 (six) transfers permitted each month? 
The types of transactions that count toward the 6 (six) transfers permitted each month under Reg D include: 
  • ACH transfers from a Savings or Money Market Account to another financial institution or third party for payment by means of a preauthorized or automatic transfer, telephone agreement, order or instruction (e.g. Phone or Online Banking, etc.). 
  • Withdrawal checks issued from a Savings or Money Market Account via Phone/Online Banking when made payable to a third party 
  • Phone/Online Banking transfers from a Savings or Money Market Account to any other Pima Federal account 
  • Automatic transfers from a Savings or Money Market Account to cover checks, ACH, or EFT (overdraft protection) 
  • Checking Account Debit Card transactions which overdraft from a Savings or Money Market Account when funds in the Checking Account are insufficient. 
  • Recurring scheduled transfers from a Savings or Money Market Account to any other Pima Federal account. 
 
What types of transactions are not counted toward the 6 (six) transfers permitted each month?
The types of transactions that are not counted toward the 6 (six) transfers permitted each month under Reg D include:
  •  Withdrawal checks issued via Phone/Online Banking when made payable to the member and mailed to the member 
  • Any transfer for the purpose of repaying a Pima Federal loan 
  • Transfers among accounts of the same person when made by mail, ATM or in person 
  • Debit Card transactions that don’t trigger overdrafts from Savings or Money Market Accounts
 
How can I make a transfer if I have exceeded Reg D?
To make a transfer after Reg D has been exceeded, you can:
  • Transfer the money at an ATM 
  • Complete the transaction in person with a teller
 
If I have two Savings Accounts, am I limited to 6 transactions for each account or 6 in total for both?
Each month you are permitted 6 transfers from each Savings Account.
 
Do ATM transfers from Savings and Money Market Accounts count toward Reg D?
No, ATM transfers will not count toward Reg D.

Nationwide Mortgage Licensing System & Registry

The Nationwide Mortgage Licensing System & Registry (NMLS) is a free service for consumers to confirm that mortgage companies and mortgage professionals are licensed in accordance with the S.A.F.E. Act (Secure and Fair Enforcement for Mortgage Licensing Act). This federal registration system requires individual employees of agency-regulated institutions who engage in the business of residential mortgage loan origination to register with NMLS. The Registry allows consumers to verify that the mortgage originators with whom they may do business are indeed registered and in compliance with the regulation. Below is the list of Pima Federal Credit Union individuals who are listed with the Registry along with their respective NMLS ID numbers.
 
Pima Federal Credit Union #408885
Coggshall, Adam 
1031202
Amstutz, Scott 
470683
Barfield, Michaela
1630727
Barraza, Juan
1529646
Campano, Cindy
684487
Castaneda, Bernadine 1523187 Coalter, Margaret
1523186
Contreras, Irvyn
1696096
Dixon, Ann 
1733724
Enriquez, Paula
1235574
 
Fisher, Raul
1576663
Garcia, Andrea
801604
Basiliere, Stephanie 
1615566
Grajeda, Sonia
791480
Haller, Mario
568640
Hernandez, Belmont 1523193 Hernandez, Rosa
1576662
Jeter, Patrice
1544398
Knight, Mariah
1637465
Little, Jay 
1556942
Linarez, Andrea
1544397
Loker, Holli
1523189
Lopez, Amy
1523192
Louis, Iris
525676
Luna, Terry 
528931
Mahoney, Lynda
1630726
Martinez, Liz 
1274175
Mehl, Kim
1496423
Vidal, Bea 
1890166 
Pesina, Jennie 
1854250
Newell, Nancy
1544396
O’Hagin, Daniel
1630725
Oaks, Christopher
1186027
Orlosky, Mikayla
1733723
Quinonez, Joni
729196
Rodriguez, Rebecca 
487160
Snyder, Chelsea
1696095
Stewart, Adam
697412
Tellez, Naomi
525717
Victorino, Leslie 
1823763
Zarate, Diana
801619
 
Tevik, Greg 
1072661 
Riparip, Tiana 
1892839