Yes. TCT’s mobile banking app offers you the ability to view account transactions, transfer funds between TCT accounts and other banks, apply for a loan, control your TCT debit and credit cards, and deposit checks. You can safely download our Mobile Banking App by using the links below:

You may reorder checks online. 

Reorder Checks

You may also contact us to reorder checks at 1-800-721-8288.

There are three ways to apply for a TCT loan. Apply online, apply over the phone or visit any TCT branch to apply in person.

Apply Online

Yes. Members may send and receive wire transfers domestically and internationally. TCT does not charge an incoming wire fee. Please call us for applicable fees for outgoing wires. 

To send a wire from a TCT account, you will need:

• Recipient/Payee’s full legal name, complete address including country, account number (or IBAN).
• Receiving if required, intermediary financial institution’s full name, complete address, ABA routing/transit number. If the wire is being sent internationally, we will require the financial institutions swift/sort code.
• Additional information may be required to process your outgoing wire request.

To receive a wire, the outside party will first need to send a wire to Alloya Corporate FCU:

• Step 1:

  Alloya Corporate FCU 271987635
  184 Shuman Blvd Suite 400
  Naperville, IL, 60563

• Step 2:
  TCT FCU 221374984
  416 Rowland Street
  Ballston Spa, NY 12020
  Phone Number: 518-884-7002

• Step 3:
  Your Name
  Your Address
  Your TCT account number

If you have any questions or need additional information, please contact your local TCT branch.

221374984

Both the primary member and the joint owner must sign a Member Service Request form in order to add or remove a joint owner. Contact your local TCT branch for more information. 

No. TCT does not exchange foreign currency. TCT recommends contacting the Travelex Store at the Albany International Airport. More Info

No, TCT does not have safety deposit boxes at their locations.

Yes. TCT offers Business Savings and Checking Accounts to businesses that meet TCT's membership eligibility. Our Business Checking is a non-interest bearing account. To see if your business is eligible for membership and what documents are required to open a business account, please call your local TCT branch.

Yes. TCT offers free notary services to all members and non-members. Those seeking a notary will need to provide adequate proof of your identification, such as a valid state issued driver's license or its equivalent. Please note that notaries are not required to notarize documents that are not properly filled out or if proper identification is not provided.

Yes.  Money Orders can be purchased at any of our four branch locations.

No. TCT does not offer Traveler's Checks.

No, TCT does not redeem or sell savings bonds. Since 2012, paper savings bonds are no longer sold at financial institutions. This action supports the Treasury’s goal to increase the number of electronic transactions with citizens and businesses. Click here for details about purchasing savings bonds electronically.

Youth Savings Request forms are available online and at the TCT table. Return the completed forms and required documentation by mail, fax or visit your local TCT branch.

We do not offer investment services at this time. However, we partner with GreenPath, a reputable, non-profit agency that can help you to develop an action plan to make sure your finances are going as well as they can. Learn More about what GreenPath has to offer you.

Online Banking — Transfer funds, view account balances and transaction history on a desktop, tablet, or smartphone

Mobile Banking App — Access your account information, transfer funds, deposit checks, control your TCT debit and credit cards, securely and easily with our mobile app.

Account Alerts — Recieve customizable alerts by email and/or text (SMS) when your balance hits a certain threshold, a direct deposit is made, and more.

E-Statements — Recieve and archive your monthly statements securely within online banking.

Online Bill Pay — Save time and money by paying your bills or people electronically, view e-Bills from certain vendors.

All TCT Savings Accounts earn dividends and feature no monthly maintenance or service fees. Dividends are paid monthly and are based on the average daily balance.

Share Savings Account — A $5 balance is necessary to become a TCT member and earn dividends. We give the first $5 as a welcome gift to you.

Club Savings Account — These are sub-savings accounts where money can be saved for specific purposes separate from your Share Savings account.

Money Market Account — A Money Market Account provides you with a competitive and flexible savings option at a higher dividend rate than the Share Savings Account. However, penalty-free withdrawals are limited.

Money Market Special Account — Offers a higher dividend rate than our regular Money market Account, available for balances over $60,000.  Penalty-free withdrawals are limited.