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 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||$1.50||Free|
|Statement Copy $2.00||$2.00||Free|
|Interim Account History||$1.00||Free|
|OPEN ACCOUNT||OPEN ACCOUNT|
|** Can Opt-out Overdraft Program Overview and Courtesy Pay Agreement|
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.
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.
The primary or joint member can change their address on the account by any of the following five methods: 1) within the security of our online banking platform, 2) by signing an address change form at any of our branches or available online, 3) by mailing us a signed request in writing, 4) by emailing us at email@example.com or 5) by calling us at 1-800-721-8288.
If your employer offers direct deposit, provide your Payroll or Human Resources Department our credit union’s routing number, 221374984, and your account number, or a copy of a voided check.
We recommend providing a copy of a voided check or providing the full check MICR number from your checkbook. The number starts with 137 and you should not drop any numbers when you provide the information to your HR department. If you have more than one checking account, each account will have its own unique MICR number.
TCT also provides a Direct Deposit form for your convenience. You will need to return it to your employer’s Human Resources Dept.
Yes, TCT may place a hold on a check or deposit you make into your account. A hold is put in place to protect you and the credit union. If you spend the money you received from the deposit, but it is returned to the credit union and not paid, then you will have to cover the negative balance. Please reference our Funds Availability Policy.
Contact us as soon as possible.
To report a Lost or Stolen Debit Card or Credit Card: 1-800-721-8288
If you have misplaced your debit card, you can turn your debit card off using TCT’s mobile banking app. You will need your card's 16 digits and CVV to register the card with TCT Card Controls. (You will be prompted to download the TCT Card Controls app the first time you click on the menu option.)