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Routing #322281235

The holiday season brings joy, but it also attracts increased fraud activity. Stay safe by shopping securely, monitoring your accounts, and keeping your sensitive information private. Visit AlturaCU.com/fraud-security for more tips.

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Forget generic plastic, go wild! Nicknames, teams, or just a sprinkle of you – personalize your Altura cards with a second line and make them truly yours.
Second Line on Debit and Credit Cards - Altura Credit Union

Six decades of unwavering service, six decades of dreams realized. Altura’s legacy is etched throughout Riverside County.

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Building stronger futures, brick by brick and lesson by lesson, Altura fuels community through volunteerism.

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Boost your savings, boost your luck! Altura rewards $1,500 to two lucky savers every quarter – could you be next?

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Credit Unions are financial cooperatives because they are owned by their members. Each member has an ownership share in the credit union.

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Eliminating Fees

Life moves fast and it can be easy to lose track of where your money is going. At Altura we want to help make it easier, that’s why we’ve eliminated the following fees:

  • $29 Non-Sufficient Funds (NSF) Fee*
  • $7.50 Overdraft Transfer Fee from shares and loans

Eliminating these fees can help keep you on budget and save more of your money where it belongs, in your Altura account.

Non-Sufficient Funds (NSF) Transactions

No fees on any check or ACH transactions that are returned due to non-sufficient funds.

Overdraft Transfer

If you’d like the confidence in knowing your check or ACH transactions will go through, we can link your checking account to either your Altura:

  • savings account
  • credit card
  • money market account

so that those funds will be available to help cover any shortfalls. It’s your money, so why shouldn’t it be there (with no additional fees) to help you when you need it? Learn more about linking your accounts here.

Altura wants to help you on your road to financial fitness. That’s why we offer free access to financial education and confidential, no-cost financial counseling services to help you develop a sensible budget and manage debt. Click on any of the three links below to learn more.

Manage Your Money

Altura has some great tools to help you manage your money and set savings goals.

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Financial Education

We want to provide our Members with all the financial education resources they need to succeed.

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Debt Management

We will help to explore debt management options to eliminate debt.

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FAQs

What Does NSF Mean?

If you do not have the appropriate funds to make a purchase, the bank will not automatically cover the transaction for you. Instead, you will be charged a non-sufficient funds (NSF or insufficient funds) fee. Options like courtesy pay and overdraft protection prevent you from being charged NSF fees.

How Do I Avoid Overdraft Fees?

The easiest and most effective way to avoid overdraft fees is to monitor your account. Keep track of your balance and sign up for e-alerts. Budgeting your money will also help you avoid making purchases you can’t afford. By using overdraft protection, you will always have a backup if there isn’t enough in your account to cover a transaction.

What Happens If I Exceed My Savings Account Withdrawal Limits?

If you’ve gone over your withdrawal limit a couple of times, your bank may charge you an extra fee. They might also prevent you from completing the excessive transactions. But the consequences will be even more severe if you make a habit of going over your withdrawal limit. The bank will either change your savings account into a checking account or close your savings account.

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What is the Difference Between Courtesy Pay and Overdraft Protection? Is There a Courtesy Pay Fee?

Both of these services help protect you from NSF. However, the source of money is different. With courtesy pay, you are essentially paying for a transaction based on future funds. This service is only available to Members who have payroll direct deposit set up with their accounts. The credit union covers a cost because even though you don’t have the funds right now, they know you will have a direct deposit soon. To use Courtesy Pay, you will have to pay a fee. This fee is only applied when Altura needs to help you cover a transaction associated with your account. Learn more about courtesy pay.

On the other hand, overdraft protection comes from your savings account or credit card. When you don’t quite have enough in your checking account to cover a transaction, overdraft protection kicks in. There is a fee for overdraft protection. Learn more about overdraft protection.

DISCLAIMER INFORMATION

*Returned items will no longer incur the NSF fee. If you receive payroll direct deposit and Courtesy Pay is enabled on the account, your transaction may be paid and will incur a fee.

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Financial Well-Being

Learn How to Manage Your Money

Financial Well-Being

Learn How to Build Your Credit

Calculators

Our Suite of Calculators Help Determine Monthly Payments

Altura in the Community

See How We Support Our Local Community

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