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:
- Free Online and Mobile Banking
- Free Debit Card with alerts and controls
- Free eStatements
- Free Online Bill Pay
- 55,000 Surcharge-free Allpoint ATMs
- Apple Pay, Google Pay, Samsung Pay
- No Minimum Balance Requirement
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.
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.
| Feature | Original Checking | Peace 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 Resolution1 | No | Yes |
| Up to $10,000 Identity Theft Expense Reimbursement Coverage2 | No | Yes |
| Credit File Monitoring with Alerts† | No | Yes |
| Credit Report and Score† | No | Yes |
| Credit Score Simulator3 | No | Yes |
| Credit Score Tracker - receive valuable insight into your credit score3,4 | No | Yes |
| Identity and Dark Web Monitoring† | No | Yes |
| Debit and Credit Card Registration† | No | Yes |
| Mobile Phone Protection2 | No | Yes |
| $hopping RewardsTM | No | Yes |
| InstaDealsTM | 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 |
| OPEN ACCOUNT | OPEN ACCOUNT | |
| ** 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.
TCT has partnered with Allpoint, the nation's largest ATM network to bring you over 55,000 surcharge-free ATMs.
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