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:

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.

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 itsgreattocu@tctfcu.org or 5) by calling us at 1-800-721-8288.

Address / Name Change Form

If you wish to view another account that you are a joint owner on within the same online banking login, we can manually link your accounts for you. Please send us a secure message with the account number you wish to link within online banking.

If you have opted to receive text-notification, your alerts will come from a 10-digit phone number and will always include our email and name at the top of the message. If you doubt the authenticity of an alert you receive, verify the alert is one that you set-up in your online banking.

Login to Online or Mobile Banking.

Click the gear icon for 'Account Settings' near your name.

Click on 'Account Alerts', then you can choose to ‘Delete Alert’ by clicking on the trash can icon. Then you can click the button to 'Add Alert'.

Your money is insured by the National Credit Union Administration (NCUA), an independent agency of the United States Government. Your savings are federally insured up to $250,000 and backed by the full faith and credit of the United States Government.  More Info
 

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.

1. Log in to online banking

2. Click on the gear icon 'Account Settings’ located near your name.

3. Click on ‘Account Alerts’

4. Click ‘Add Alert’.

5. Select from available Alert Types including: 

• ACH Transaction
• ATM Transaction
• Balance Above
• Balance Below
• Bill Payment Processed
• Check Cleared
• Daily Balance
• Payment Due

6. Choose how you would like to receive the alert by either 'SMS' or 'Email' or both.

7. Click 'Add New Alert'

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.

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.