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Six decades of unwavering service, six decades of dreams realized. Altura’s legacy is etched throughout Riverside County.
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Learn MoreCredit Unions are financial cooperatives because they are owned by their members. Each member has an ownership share in the credit union.
Learn MoreTo become a Member at Altura and open a checking account, you can visit one of our branches in Riverside, CA or apply online.
With a checking account, you can make deposits and withdrawals. When you set up payroll direct deposit (PDD) with your account, your paychecks will automatically be deposited to your checking account. You can access this money by writing checks, using your debit card, making withdrawals, and more.
You do not need to have a checking or savings to make a payment with Altura. We have several options to assist you however by having your checking with Altura Credit Union, you can enroll in automatic payments to ensure your payment is always on time.
If you don’t qualify for our standard checking accounts, a Reliance Checking Account is where you begin. After one year of positive account activity, and after having paid off any outstanding checking account related debt, you’ll be eligible to move up to a Ascend Checking Account.
Although they vary in length, checking account numbers are usually between eight and twelve digits long. This number identifies your personal account. You can find your checking account number by looking at one of your personal checks. It will be the second (middle) set of numbers on the bottom of every check. You can also find your account number through online and mobile banking.
Automated monthly payments are available. At the loan closing, an automated payment application will be provided. Simply return it at your earliest convenience to enroll in the automated payment program.
You don’t necessarily need to close your checking account if you’ve lost your debit card. Although a thief can access your account using your debit card, once the card has been de-activated, they will no longer have access to that account. You should also make sure you choose a new PIN for your new card.
An ABA routing number is a nine-digit number that identifies the financial institution where you have your checking account. You’ll need your routing number when you’re making payments online or over the phone. To figure out your routing number, look at the bottom of your personal checks. It is the first group of numbers on the far left.
Altura’s routing number is 322281235.
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.
When you pay using your debit card, the money for the transaction is coming directly from your checking account. On the other hand, with a credit card, you won’t immediately be charged. You are accruing expenses. Every month, you will receive a credit card bill. If you don’t pay the bill off right away, you will have to pay interest on your purchases.
You will also need to set up a PIN when you open a debit card. You don’t need a PIN with a credit card. However, you are still able to run your debit card as a credit card where you sign for a purchase rather than using your PIN.
