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Drive-thru Encouraged

Our lobbies and drive-thru lanes are open during regular business hours. We encourage drive-thru use to assist with social distancing and limit wait times inside the branch. If entering a branch, you will need to wear a mask or face covering that covers your nose and mouth as required under New York State's mandate.

Remember, you can do almost any account transaction with our online and mobile services. If you need assistance with these services or prefer speaking to someone, please call us at 1-800-721-8288. We are ready to help. 

Branch Info

Our Drive-thru lanes are open:

Please note: If you or a member of your household have symptoms such as fever, cough, or respiratory illness, do not enter a branch.

Our Night-Drop boxes are available 24/7 for deposits or other paperwork drop-offs. Night-drop boxes are located in the drive-thru ATM lane at each branch.

We will be checking our mail daily for any payments/ deposits mailed to us.

Our ATMs are available in the drive-thru of each branch, plus you may access cash surcharge-free at over 55,000 Allpoint ATMs.

Contact Us

Our staff continues to be available to you should you need assistance. You can contact us via the following channels:

Members can call us at 1-800-721-8288

Secure Messaging via Online Banking: For account-related inquiries, you can send us a secure message through online banking – click on the secure mail icon at the top of your screen and Create New Message. These messages are checked daily and replied to by TCT staff.

Email: For general inquiries email us at;

Online: Our website has ‘Contact Us’ and other ‘Ask Us’ forms. TCT Staff will reply to your questions and requests submitted through these forms. Please do not provide account-related information through this channel.

Account Access

Online/Mobile Banking: Our online and mobile banking services are free and provide convenient access to your account information 24/7. You can view account transactions, transfer funds between TCT accounts, deposit a check, pay bills, and more.

Mobile Deposit: You must use the TCT Mobile Banking App to remotely deposit a check. The correct endorsement is required and should be as follows.
Your endorsement needs to have written on the back:
For Mobile Deposit Only TCTFCU
Your signature (both signatures if written to two people)
Your account # (of where you’d like the deposit to go)

Direct Deposit: To establish direct deposit, we recommend that you provide a voided check. If you do not have a voided check, you may provide our credit union’s routing number; 221374984, and your account number but you must add a ‘9’ after your account number to have your pay deposited into your checking account or a ‘0’ after your account number to have your pay deposited into your savings account.


If you are in need of a loan, we encourage you to use our online loan application. We also accept loan applications over the phone.

If you need to close a loan, the Member Service Specialist working with you can arrange for an electronic signature via DocuSign or by appointment in a branch.

Helping our Members
Our Member Service Staff is here to support you through this time. If you are experiencing financial hardship due to the closing of your employment or for other reasons related to the Coronavirus, please reach out to us. We are here to help you. Any TCT member in need will be considered for financial hardship assistance. 

Complete the form below with a brief synopsis of your individual situation and we will reach out to you.

Ask about Financial Assistance
Completion of this request form does not constitute a loan application.
* Required Fields
TCT Branch Location of Preference:
Security Code:

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