TCT members age 16-17 are eligible for a debit card. Members between the ages of 12-15 may have a debit card with management approval. It is important to note that a minor requesting to open a checking account is required to have a parent or legal guardian joint on the checking account.

Yes. your direct deposit may be allocated to multiple accounts or to pay various loans held at TCT.  To have your direct deposit set-up to meet your financial needs, call or visit your local branch for more details. For your convenience, TCT provides a Direct Deposit form to allocate where you would like your money to go.  You will need to return it to your employer's Human Resources Department.

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.

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.

You may visit your local branch and sign a Stop Payment Request form in person, or you may call and request a verbal stop payment, which is good for 14 days. Prior to the 14th day you will need to sign a stop payment form at your local branch. If you do not sign the form, the stop payment will be removed. Refer to TCT Fee Schedule for applicable fees. (link to fee schedule)Refer to TCT Fee Schedule for applicable fees.

You may reorder checks online. 

Reorder Checks

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

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'

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.

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

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'.

If your employer offers direct deposit, provide your Payroll or Human Resources Department our credit union’s routing number, 221374984, and your account number as shown in your Online/Mobile Banking.

TCT also provides a Direct Deposit form for your convenience. You will need to return it to your employer’s Human Resources Dept.

No. TCT Members under age 18 may not apply for loans, credit cards or overdraft protection.

221374984

Contact us as soon as possible.

800-721-8288

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.)  

Overdraft protection from a linked TCT savings account or loan is available. Contact us to set-up overdraft protection. Automatic Courtesy Pay with a $400 limit, and a $7 overdraft fee for checks/ACH is available with a Peace of Mind Checking account. 

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.