Need to reorder checks?

We’ve got you covered!

Please visit the Harland Clarke site to reorder checks. It’s quick and easy, and we’ll have you on your way in no time.

We can help you cover your transactions

Life happens! We understand that unexpected overdrafts occur from time to time - Overdraft Coverage can help.

The choice is yours. Consider these ways to cover overdrafts:

1 Call us at 800-392-7629, email us, or come by a branch to sign up or apply for these services.

2 Subject to credit approval.

Overdraft Protection applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or line of credit you may have at Zia Credit Union for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval.

Zpay allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted. Please review the What Else You Should Know section for other important information.

Looking for a little more protection for your purchase?

Zia offers extended warranties for your new or used vehicle. Ask your loan officer about our extended warranty options.

Need some extra protection for your vehicle?

• Protection if vehicle is totaled or stolen

• Pays difference between what insurance covers and what you still owe

• Low-cost protection up to $595 can be rolled into loan

• Will cover insurance deductible up to $1,000

• May be applied toward any vehicle owned by the primary borrower

• May provide additional $1,000 toward purchase of a replacement vehicle¹

¹The vehicle must be financed with ZIA Credit Union and the funds applied toward the down payment.

Ask your loan officer about our GAP options.

ZIA partners with TruStage Insurance to provide an extra benefit to our members.

TruStage® has decades of experience guiding people in these decisions. They can help you find life insurance that won't break the budget.

Drop Off Your Deposit After Hours

Our general policy for our night drop boxes is to allow members to withdraw funds deposited in their account on the first business day after we receive the deposit. In some cases, your ability to withdraw funds beyond the first business day may be delayed. Then, the funds will generally be available by the second business day after deposit.

Branch Locations

Skip The Line

There's no need to stand in line to deposit your paycheck! Save time and enjoy the convenience of having your payroll electronically deposited into your account with direct deposit. And bonus, you can ZAP your rates when you do!

Check back soon for more information on the setup process. In the meantime, please contact us for questions.

Save A Step

Set your payroll up for direct deposit, and you can also take advantage of our payroll deduction service. Use this service to easily and automatically route funds between accounts, such as savings or loan accounts.

Move Funds To Another Account

Want to move funds from a ZIA account to an account you hold at another financial institution? You can do that with ACH Origination. For security purposes, we require members to sign an ACH Origination form.

Need A Money Order?

We’ve Got You.

Money orders are guaranteed funds and negotiable instruments. Money orders can be purchased for a low fee. Members receive the preprinted money order, and the member fills out the payee's information.

Give The Gift Everyone Loves

Need a gift for a special occasion like a birthday, anniversary, wedding, or graduation? Visa® Gift Cards are available in a range of amounts from a minimum of $10.00 to a maximum of $1,000.00. Make it even more special by ordering a personalized card and receive it within three to five business days. Visa® Gift Cards can be used at any merchant that accepts Visa® credit cards. There is a $2.50 fee per card.

Need A Little Extra Cash?

Did you know that ZIA members can debit their Visa® credit cards for cash advances at the teller line? They sure can! Members are eligible to withdraw 50% of the available card balance.

Add A Little Skip To Your Step!

Sometimes you just need a little boost to keep you going.

Sometimes you just need a little boost to keep you going. That’s why twice a year, Zia offers to its members to skip a loan payment. These Skip-a-Payment campaigns typically occur in July-August and November-January, so keep your eye on our promotions around those times!

*The following types of loans are not included: Single Payment, Real Estate, Mobile Home, Credit Cards and Lines-of-Credit. All Zia Credit Union accounts must be current and in good standing, at least six (6) months of payments must have been made on the loan(s) you wish to skip, payments may not be skipped for two consecutive months, and a loan may not be paid more than 90 days in advance. Offer excludes members that have deferred a loan payment in the last 6 months. Fee(s) must be paid prior to processing. This offer is not transferable and may not be used in conjunction with any other discounts, offers, or coupons. Deferment of payment will extend the life of the loan(s) and may cause an increase in the total finance charge and final payment amount. The first payment after the skipped period may be all, or in part, applied to accrued interest. The extension of the loan(s) may not be covered by credit insurance or Guaranteed Asset Protection coverage you may have. If the loan payment(s) is/are made by Zia Credit Union internal transfer, cash, or Bill Pay, the due date will advance according to the payment schedule, skipping the appropriate number of payments equivalent to one month. If the loan payment(s) is/are automatically deducted through payroll distribution, ACH origination, or from an account at another institution, we will deposit the payment to your regular savings (share) account on the payment due date. Interest continues to accrue, and all other loan terms and provisions remain unchanged. This agreement does not constitute a new loan. There will be a $40 Skip- A-Payment fee for each skipped loan payment.