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.
Members who use their debit card frequently and carry low checking account balances
Members who maintain higher balances and wish to earn interest with full liquidity plus unlimited transactions
Members who want a fresh start with their finances
|Opening Deposit Requirement||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…