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Overdraft Protection and Overdraft Privilege

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

Overdraft Protection link to another Deposit Account you have at Pinal County FCU
No fee per transfer; up to 6 transfers per month
Overdraft Protection Line of Credit (Subject to credit approval)
Subject to interest
Overdraft Privilege - Standard and Extended Coverage
$30 Overdraft Fee per item
Call us at (520) 381- 3100, email us at:, or stop by a branch to sign up or apply for these services. 

Overdraft Protection

Overdraft Protection services apply 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. Please note that overdraft lines of credit are subject to credit approval and finance charges.

Overdraft Privilege

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order 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. Please click here to review the “What Else You Should Know” section for important disclosure information. There are two forms of Overdraft Privilege, Standard Coverage and Extended Coverage. Please refer to the following table for a list of transactions that are included.

Click here to access the consent form for Extended Overdraft Coverage.  

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


ACH - Automatic Debits

Recurring Debit Card Payments

Online Bill Pay Items

Internet Banking Transfers

Telephone Banking

Teller Window Transactions

ATM Withdrawals

Everyday Debit Card Transactions   *
If you would like to select Extended Coverage for future transactions:
• Call us at (520) 381- 3100
• Visit any office location
• Complete a printed consent form and mail to us at: 1000 E. Florence Blvd.,
   Casa Grande, AZ 85122, or
• Email us at:

*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:

For what else you should know 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 $30 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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