Extend Coverage Today!

We understand that unexpected expenses may occur at inconvenient times. That is why we provide our members with Overdraft coverage options that may allow us to pay your items rather than returning them, should you overdraw your account.

 

Features

Overdraft Protection applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account, or line of credit you may have at Pinal County FCU for a finance charge. Please note that overdraft lines of credit are subject to credit approval.

  • Helps prevent overdrafts by automatically transferring funds to your checking from another account or line of credit
  • Saves the embarrassment of having items returned as insufficient funds
  • No fee per transfer
  • Up to 6 transfers per month

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction. Even if you have Overdraft Protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.

  • Overdraw your account up to the disclosed limit for a fee in order to pay a transaction.
  • Secondary coverage if the other protection source is exhausted.
  • There are two forms of Overdraft Privilege, Standard Coverage and Extended Coverage. 
  • Please click here to review the “What Else You Should Know” section for important disclosure information. Click here for the PDF version. 
  • Click here to consent for Extended Overdraft Coverage. Click here for a PDF version of the form. 
  • Youth Go Checking Accounts are not eligible for Overdraft Privilege

 

Rates & Fees

  • Overdraft Protection- No fee per transfer; up to 6 transfers per month
  • Overdraft Privilege- Standard and Extended Coverage $30/Per Item Presented*
    (*per item presented means each time an item is presented, including re-presentment)
  • Overdraft Protection Line and Credit (Subject to Credit Approval & Interest)
 

Compare 

Overdraft Privilege Standard and Extended

 

Overdraft Privilege Standard & Extended
Transactions covered with Overdraft PrivilegeStandard Coverage (No action required)Extended Coverage (Your consent required on consumer accounts)*
Checks

X

X
ACH - Automatic Debits

X

X
Recurring Debit Card Payments

X

X
Online Bill Pay Items

X

X
Internet Banking Transfers

X

X
Telephone Banking

X

X
Teller Window Transactions

X

X
Everyday Debit Card Transactions  

X*
ATM Withdrawals  

X*

If you would like to select Extended Coverage for future transactions:
*If you choose Extended Coverage on your consumer account, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Extended Coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.

You can discontinue Extended Coverage in its entirety by contacting us at (520) 381- 3100 or sending us an e-mail at: info@pinalcountyfcu.com.

For what else you should know, along with important disclosure information click here!
Accounts will be charged the standard Overdraft fee of $30 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $35 for items returned. An overdrawn balance must be repaid within 32 days.  We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of one business day, if you default on any loan or other obligation to Pinal County FCU or if your account is subject to any legal or administrative order or levy.

If you have any questions about Overdraft Protection or Overdraft Privilege, please call us at (520) 381- 3100 or visit a branch.
 
 
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