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.
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 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 item | $5.00 per item |
| Automatic Courtesy Overdraft** | No | Yes - $400 Limit |
| Overdraft ACH/Check Fee | $25.00 per item | $7.00 per item |
| 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 |
| OPEN ACCOUNT | OPEN ACCOUNT | |
| ** Can Opt-out Overdraft Program Overview and Courtesy Pay Agreement | ||
| Please see our Fee Schedule for all other fees. | ||
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.
