Checking Accounts

TOPCU provides you with products and services that will help you meet your financial goals. We have a checking account to meet your needs. Please bring a current, government-issued ID with you when opening your account at TOPCU.

Checking Account Types

Best For:

Nickel-Back Checking

Members who use their debit card frequently and carry low checking account balances

Classic Topcu checking

Members who maintain higher balances and wish to earn interest with full liquidity plus unlimited transactions

Mission Checking

Members who want a fresh start with their finances

Opening Deposit Requirement None None $20
Monthly Fee None None $20
Interest-Earning Tiers None Earns Interest for 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 E-Statement Required Choice of Paper for $1.00 or Free Electronic Statements Choice of Paper for $1.00 or Free Electronic Statements

TOPCU Overdraft Protection

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, starting July 1, 2010, TOPCU will not be able to cover overdrafts related to debit or ATM cards using our standard overdraft practice, Courtesy Pay, unless you have opted in to this service. Read more here…

Rates

Rates may be fixed or variable and may include discounts or other promotional conditions. Rates are subject to change without notice.