Basic Checking

With OUR Basic Checking, you will receive:

• Free Debit Card
• Free Unlimited ATM Transactions
• Direct Deposit
• Free Online Banking and Bill Pay
• e-Alerts & e-Statements
• Check Ordering
• Overdraft Privilege to Qualified Accounts
• Loyalty Rewards on Debit & Credit card purchases 

Requirements:

• Our field of membership has expanded.
• Call (806) 665-0057 to see if you qualify today!

Needed For Application

• Social Security Number
• Drivers License or Government issued ID
• Proof of current home address, if different from ID
• $25 to deposit into the account.*

*Must open savings account first. See Regular Savings page for more
information.

Account opening disclosure:

Important Information About Opening a New Account
Pampa Federal Credit Union complies with section 326 of the USA PATRIOT Act. Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account such as name, address, date of birth and taxpayer identification. We may ask to see your driver's license or other identifying documents.

Overdraft Protection

With our Overdraft Protection link to savings program, you can reduce the risk of overdrafts in your checking account by drawing against your other funds on deposit. This feature will allow us to pull from your available funds in other accounts such as Savings Account, another account number. If funds are available, there is a link to saving overdraft fee of $5.00 per transaction when you elect this option.  Consideration for coverage under this policy is only granted by the required member enrollment documentation. Members may revoke Link to Savings at any time by submitting a request in writing by email, or in branch.

Courtesy Pay

If you write a check/ACH transaction that causes your account to become overdrawn, and no other means of overdraft protection is available, the credit union may choose to pay the overdraft (up to $350.00) rather than returning the item to the payee causing a NSF fee of $30.00. Consideration for coverage under this policy is only granted by the required member enrollment documentation. Members may revoke courtesy pay at any time by submitting a request in writing by email, or in branch.

The decision to pay any overdraft under this policy is solely within the credit union's discretion and you should not rely on us to pay any overdraft at any time. If we do pay an overdraft, your account will be subject to a $30.00 Insufficient Funds fee per item paid. You will have Ten days from the date of our payment to deposit funds or obtain. Overdrafts not paid within Ten days will be subject to collection as set forth in credit union policy. By paying any one or more overdrafts, we do not agree to pay overdrafts in the future, and we may discontinue paying overdrafts at any time without notice.