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 Rewards Checking Account that even pays you back for using your debit card!


Checking Account Types


Rewards 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 Earns interest on balances over $2,500 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 $2.50 or FREE eStatements Choice of paper for $2.50 or FREE eStatements

*All members must open a basic savings account and maintain a $5 minimum balance.

TOPCU 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 Overdraft Service

Due to government regulations, TOPCU will not cover overdrafts related to debit or ATM cards using 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. Read more here…

Order TOPCU Checks Online

Members can now order their checks online. Your order will process when you submit and your checks will arrive in the mail within days.

If you are unable to place an order with our new check printer, Bank-A-Count, due to one of the following
reasons, please call us at (520) 881-6262:
New check order
Name or Address Change
Do not know Starting Number
Have not Ordered through Bank-A-Count before



VISA Purchase Alerts logo

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

Visa Purchase Alerts
Sends you real-time* email alerts when you pay with your TOPCU  Visa card.

Stay Informed
Sign up for text or email alerts for extra security. Learn more

Visa Purchase Alerts

Three Steps to Enroll
You’ll get real-time alerts whenever your purchase meets the criteria you selected during enrollment.

Step 1

Check to see if your card is eligible.

Step 2

Register your mobile device and email to receive Visa Purchase Alerts.

Step 3

Choose the notification triggers that match your needs, such as transactions exceeding a set amount.

Contact us at (520) 881-6262, ext. 702 to learn more.