Checking Accounts
Take Advantage of these great features and more with a Top Tier FCU Checking Account
- Instant Issue Debit Card
- No minimum balance
- No-surcharge ATMs
- Overdraft Protection
- Direct Deposit
- Mobile Deposit
- Mobile Banking
- Bill Pay
Mobile Banking & Text Alerts
All the online banking features made available on your phone. Download the Mobile app by searching: Top Tier FCU in your app store.
- Transfer money
- Pay Bills
- Make loan payments
- View transactions
- Views statements
- Manage accounts
- Get balance notifications
Optional Overdraft Protection Service (OOPS!)
Your Right to Request Overdraft Coverage
We will not pay your overdrafts for ATM withdrawals and debit card purchases you make at a store, online, or by telephone, unless you tell us you want overdraft coverage for these transactions. Even if you do not request overdraft coverage for ATM withdrawals and debit card purchases, we may still pay your overdrafts for other types of transactions, including checks and ACH transactions. Customers who receive any type of federal entitlement benefit must not opt-in if they do not want those funds to be applied towards overdrafts.
Having overdraft coverage does not guarantee that we will pay your overdrafts. If we decide to pay an overdraft, you will be charged fees as described below. Overdraft coverage differs from other overdraft services we offer, such as linking your account to another savings account with us or obtaining a loan. See below for more information, including how to contact us if you want overdraft coverage to apply to your ATM withdrawals and debit card purchases.
Overdraft Fees
- There is no charge to maintain overdraft coverage. Charges are incurred only if the account is overdrawn.
- We will charge you a fee of $30.00 each time we pay an overdraft item.
- There is no limit to the number of overdraft fees or charges that may be assessed per day.
Other Ways We Can Cover Your Overdrafts
We offer other ways of covering your overdrafts that may be less expensive. Linking your checking account to a savings account or obtaining a loan may result in substantially lower fees than utilizing overdraft protection services. Contact us to learn more.
How to Request Overdraft Coverage or Get More Information
To request overdraft coverage for your ATM withdraws and debit card purchases, or for information about other alternatives we offer for covering overdrafts, please:
- Contact us at (814) 226-5032 or email info@toptierfcu.org
*I understand that I can revoke/change my election for OOPS! coverage either in person or by phone.