No service fees • No minimum balance
Open Your Top Tier Checking Account Today!
Take Advantage of these great features:
- No minimum balance requirement – Manage your money without worrying about balance requirements
- Instant-Issue debit cards – walk out with your debit card the same day. Replace a lost or damaged card in minutes
- Direct deposit – Get paid quickly and securely
- Early Pay – Receive qualifying direct deposits up to 2 days early*
- Surcharge-free ATM access – Convenient access to your money when and where you need it
- Mobile banking & deposit – Deposit checks, transfer funds and monitor your accounts right from your fingertips
- Bill pay – Pay bills securely without writing checks at no cost to you
- Overdraft protection
Mobile Banking
Bank Wherever Life Takes You
Manage your accounts from anywhere with Top Tier FCU Mobile Banking.
- Check balances and transaction history
- Transfer funds between accounts
- Deposit checks remotely
- Pay bills
- Make loan payments
- View E-statements
- Set up account alerts and notifications
Optional Overdraft Protection Service (OOPS!)
Unexpected expenses happen. We offer several ways to help cover overdrafts.
Overdraft coverage differs from other overdraft services we offer, such as linking your account to another Top Tier savings account or obtaining a loan.
We will not pay your overdrafts for ATM withdrawals and debit card purchases you make at a store, online or by telephone, unless you notify us that 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 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 withdrawals 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.