Checking Accounts

A checking account is your primary tool to access your money for everyday spending needs. Whether you write checks, use your debit card for purchases, pay your bills online, or withdraw money from an ATM, your checking account puts your money at your fingertips. TOPCU offers a number of checking account options, including our Nickel-Back Checking Account that even pays you back for using your debit card!

VISA Purchase Alerts logoOnce you get your TOPCU debit card, don’t forget to protect your account by registering with VISA Purchase Alerts. Click here to sign up today!

Check out the table below to see which accounts works best for you. Then stop by or give us a call to get you enrolled!

Checking Account Types

Type:

Nickel-Back Checking

Classic Checking

Mission Checking

Best For: Members who use debit card frequently and carry low checking account balances Members who carry higher balances and want to earn interest with full liquidity plus unlimited transactions Members who want a fresh start with their finances
Opening Deposit Requirement None None $20
Monthly Fee None None $20
Interest-Earning None Earns interest on balances over $2,500 None
Online Banking Free Online Banking and Bill Pay Free Online Banking and Bill Pay Free Online Banking and Bill Pay
ATM Transactions Free at all in-network ATMs
(Out-of-network fees apply)
Free at all in-network ATMs
(Out-of-network fees apply)
Free at all in-network ATMs
(Out-of-network fees apply)
Check Discounts Free basic checks (first box ONLY) Checks at cost None
Debit Card Free and earns $0.05 for each debit card transaction Free FREE – Direct deposit required for debit card
Direct Deposit Not required Not required Not required
Monthly Statements eStatement required Choice of paper for $1.00 or FREE eStatements Choice of paper for $1.00 or FREE eStatements

TOPCU Courtesy Pay/Overdraft Tolerance

Sometimes even the best money managers overdraw their account. Your Tucson Old Pueblo Credit Union checking account can be set up to draw funds from your savings account if you overdraw. In addition to your TOPCU savings account, other accounts such as our money market account and personal line of credit can also serve as your overdraft protection. When you open your account, your TOPCU representative will talk with you about your overdraft protection options.

 

Important Information Regarding Courtesy Pay Overdraft Service

Due to government regulations, TOPCU will not cover overdrafts related to debit or ATM cards using Courtesy Pay/Overdraft Tolerance unless you have opted in to this service. Even if you opt in to this service it may be revoked at any time at our discretion. A member must deposit sufficient funds within thirty (30) business days from the date of each overdraft to cover the deficit.  Overdrafts are paid as transactions clear the account and are limited each month. The fee for each overdraft item is $32. Read more here…