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Account Services

AEA offers the following account services to help you manage your accounts and reach your financial goals.

Overdraft Coverage Options

Keeping track of your balances can be tricky and unexpected overdrafts happen.


What is an overdraft?  An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.


What are the standard overdraft practices that come with my account?

  • We do authorize and pay overdrafts for the following types of transactions:
    • Checks and other transactions made using your checking account number
    • Automatic bill payments
  • We do not authorize and pay overdrafts for the following types of transactions unless you ask us to:
    • ATM transactions
    • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.  If we do not authorize and pay an overdraft, your transaction will be declined.


What fees will I be charged if AEA Federal Credit Union pays my overdraft? Under our standard overdraft practices:

  • We will charge you a fee of up to $32 each time we pay an overdraft
  • There is no limit on the total fees we can charge you for overdrawing your account

What if I want AEA Federal Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?  Courtesy Pay allows you to overdraw your account up to the disclosed limit to pay the transaction for a fee of $32 per item.

  • Does the Courtesy Pay Overdraft fee count against my limit?
    Yes, all fees and charges will be included as part of the Courtesy Pay Overdraft limit amount. This means your account may be overdrawn exceeding the Courtesy Pay Overdraft limit amount because of a fee.
  • Do I pay a Courtesy Pay Overdraft fee per item?
    Yes, if multiple items overdraw your account on the same day, each item will be assessed an Overdraft or Nonsufficient Fund Fee of $32.
  • Are transactions cleared in the order they are received or by transaction type?
    AEA posts items by transaction types, in the following order (exceptions may occur): credits, ATM and everyday debit card transactions (based on the order in which they are received), ACH debits (based on the order in which they are received), and checks (based on check numbers.)
  • If I enroll in Courtesy Pay, can I unenroll later?
    Yes, you can unenroll for AEA to pay these Courtesy Pay overdrafts at any time by contacting us.
  • If I want to enroll in Courtesy Pay at a later date, is that possible?
    Yes, you can enroll in Courtesy Pay at any time by contacting us.

AEA offers additional options to help protect you from accidental overdrafts.

  • Overdraft from your Share Savings Account
    Automatically transfer funds from your linked Share Savings Account, up to your available balance for a fee of $5 per transfer.*
  • Link to an AEA Line of Credit
    Protect yourself from overdrawing your checking account with a Line-of-Credit (LOC). Funds are transferred to your checking account from your LOC as needed to cover overdrafts.*

If you have any questions about your Overdraft Options, please contact us.

Direct Deposit

Tired of waiting in long Teller lines just to deposit your paycheck? With Direct Deposit, your regular paycheck or retirement benefits check (Social Security, pension, etc.) will deposit directly into your account on the payment date, which means it will be available to you sooner than with a paper check deposit.


Enjoy the peace of mind, knowing your check will be on time with no worries of mail delays or having it stolen from your mailbox.


Direct Deposit saves time, too, because it eliminates the need to make a special trip just to deposit your check. Contact your employer to see if they offer this time saving, secure, and convenient service.


For payroll, pension, or other recurring pay:

Step 1. Click here to print the Direct Deposit form.  (Click here for Federal Direct Deposits)

Step 2. Complete form and bring in to any branch, fax to 928.783.2660 or mail to:

AEA Federal Credit Union
Member Communications Center
1780 S. First Avenue
Yuma, AZ 85364


If you have any questions about your Direct Deposit, please contact us.

Wire Transfers

Incoming Wires

To receive funds into your AEA account from another institution with a wire service, provide the following information to the institution sending you the funds:

TRANSFER TO: Catalyst Corporate FCU
ABA Routing # 311990511

CREDIT TO: AEA Federal Credit Union
ABA Routing Number # 322173217

FINAL CREDIT: Member name
Member account number

If a foreign remitter is requesting you provide a SWIFT Code, let your remitter know that a SWIFT code is not required for you to receive international funds.

Foreign financial institutions typically have relationships with U.S. correspondent’s banks. U.S. correspondent banks will convert foreign currency wires to U.S. dollars if necessary and route wires to domestic financial institutions based on ABA routing numbers.

Outgoing Wires

To send funds from your AEA account please visit an AEA branch.


*Certain restrictions apply.  Ask for details.

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