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Checking Accounts
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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. Not only do our checking accounts come with access to over 55,000 surcharge-free ATMs, but they also feature great perks like mobile check deposit, bill pay, debit card controls, and the ability to get your contactless Visa® debit card at any TCT branch. Select our Peace of Mind Checking and you'll receive enhanced benefits including automatic courtesy overdraft and identity theft recovery services.

Have questions about our accounts?

Review our Peace of Mind Checking FAQs and feel free to call or visit a TCT branch, log in to Online Banking and send us a secure message, or complete a secure Account Change/Opt-Out form.

Checking Account Options

TCT Original Checking

Sometimes “the original” is all you need. We get it. No frills, no service fee, but still awesome! 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 monthly account maintenance fee of $5.00 and provides enhanced benefits and protection including automatic courtesy overdraft, Debit Card Round-Up to build savings, and 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. Learn More



See how they compare side-by-side.

It's all good — choose which is better for you.

TCT Checking Account Comparison
Original 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 Learn about nxg|PROTECT No Yes
Credit monitoring, score, and alerts Learn about nxg|PROTECT No Yes
Dark Web Monitoring Learn about nxg|PROTECT No Yes
Mobile Phone Protection Learn about nxg|MOBILE No Yes
Access to travel, dining, and shopping discounts online Learn about nxg|SAVE 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 Free
Statement Copy $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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Peace of Mind Checking

“We cannot say enough good things about TCT and the ease of doing business. Everyone is always happy to help and willing to go the extra mile to resolve any issues. Online Banking is critical to our organization as it allows us to monitor our account with convenience. We have had issues in the past with other banks and fraud. We are able to be at ease knowing that TCT is watching over the money that our girls work so hard to raise. The TCT Staff is great at reaching out to us just to make sure all is well. Great Customer Service goes a long way. Thank You TCT.”

— Cambridge Youth Cheer

Have Questions

Want to learn more about our checking accounts? Let's connect!

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