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Here are some commonly asked questions we receive. If you don't find it here, use the Search bar above.

How do Overdrawn / Overdraft services work?

If you write a check, use your debit card, or have an electronic withdrawal (ACH) overdraw your account, Overdrawn Protection will automatically transfer money from your Main Share Savings to your Checking PLUS or Checking account. This service is free to use.

If you don't have enough money to cover your transaction with any of your Overdrawn Protection accounts, that’s when Overdraft Privilege kicks in – available for Checking PLUS and Checking Accounts. That means Hughes will pay the item for you, saving you the embarrassment and inconvenience of bouncing a check, missing your loan payment, or not being able to pay for your meal. There is a $30 fee for each transaction paid with Overdraft Privilege.

Overdraft Privilege covers checks and electronic withdrawal (ACH) transactions. You can also opt in to extend your Overdraft Privilege to cover ATM and one-time debit card transactions as well by visiting a branch near you or calling us at 520-794-8341.

NOTE: Checking PLUS accounts come with up to $750 Overdraft Privilege and Checking accounts come with up to $600 (including fees). Payment by Hughes is a discretionary courtesy and not a right of the account holder or an obligation of Hughes. Some restrictions apply.