UPCOMING HOLIDAY CLOSURE: TCT Branches will be closed on Saturday, May 25 & Monday, May 27 for Memorial Day.  You can do many banking transactions with DIY Banking.

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Checking Accounts

Convenience, security, and personalized perks to fit your lifestyle! 

With a TCT Checking Account, you can rest assured that you'll be ready for wherever the day takes you. Select our Peace of Mind Checking and you'll receive enhanced benefits including automatic courtesy overdraft and identity theft recovery services.

All TCT Checking Accounts Receive:

Checking Account Options

TCT Original Checking

Sometimes the original is really all you need. TCT's Original Checking Account offers all of the essentials of a standard checking account with no minimum balance requirement and no monthly maintenance fee.

open account

Peace of Mind Checking

Peace of Mind Checking has a $5.00 monthly account maintenance fee and provides enhanced benefits and protection including automatic courtesy overdraft, debit card round-up to build savings, fully managed identity theft recovery services, access to credit and dark web monitoring with alerts, and monthly credit score, plus online discounts, and mobile phone insurance.




TCT Checking Account Comparison
FeatureOriginal CheckingPeace of Mind Checking
No Minimum Balance Requirement Yes Yes
Contactless Debit Card Yes Yes
Apple Pay, Google Pay, Samsung Pay Yes Yes
Monthly Maintenance Fee No $5.00
Fully Managed Identity Theft Recovery No Yes
Monthly Credit Score, Monitoring and Alerts No Yes
Dark Web Monitoring No Yes
Mobile Phone Protection No Yes
Access to travel, dining, and shopping discounts online No Yes
Returned ACH/Check NSF Fee $25.00 per submission $5.00 per submission
Automatic Courtesy Overdraft** No Yes - $400 Limit
Overdraft ACH/Check Fee $25.00 per submission $7.00 per submission
Debit Card Roundup** No Yes
Free Personal Checks w/Direct Deposit Yes - Singles Yes - Singles and Duplicates
Official Checks/Money Orders $2.00 Free
Copy of Cancelled Check $1.50 $1.50 Free
Statement Copy $2.00 $2.00 Free
Interim Account History $1.00 Free
Account Research $10.00 Free
** Can Opt-out   Overdraft Program Overview and Courtesy Pay Agreement


Have Questions?

While we hope you find the information you need online, we want to assure you that TCT is more than a website. We're your credit union, and we look forward to helping you. Call us at 1-800-721-8288 for friendly, local assistance, or stop by one of our branches for personal service.

Ask about a TCT Checking Account
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TCT has partnered with Allpoint, the nation's largest ATM network to bring you over 55,000 surcharge-free ATMs.


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Get more done in less time with Bill Pay

Now you can easily manage your finances via online Bill Pay. Learn how to pay a bill, pay a person, set up alerts, and more.


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TCT Mobile Banking App 

Access your account, transfer funds, deposit checks, and more with the TCT Mobile Banking App.


Have Questions?

If you have additional questions, call us at 1-800-721-8288 or visit a TCT branch to meet with a Member Service Specialist. 

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