Go to main content TCT FCU
Online Banking Login

Peace of Mind Checking

Get peace of mind with your checking.

Peace of Mind Checking has a monthly account maintenance fee of $5.00 and provides enhanced checking benefits and protection.

Enhanced Checking Benefits

  • Automatic Courtesy Pay with a $400 limit, $7 overdraft fee for checks/ACH*
  • Reduced $5 Non-Sufficient Funds fee*
  • Access to Debit Card Round-UP to save automatically  OPT-IN to start saving
  • Duplicate Checks with direct deposit, at no cost
  • Account Research and Statement/check Printing services, at no cost
  • Money Orders and Corporate Checks, at no cost

*Any negative balance should be resolved within 30 days. Overdraft Overview and Courtesy Pay Agreement 

Plus, Extra Features

  • Fully Managed Identity Theft Recovery
  • Entitlement to Credit and Dark Web Monitoring with Alerts Activate Monitoring
  • Monthly Credit Score
  • Mobile Phone Insurance covers accidental damages, malfunction, and theft.
  • Save with online discounts on shopping, dining, travel, and entertainment.

To learn more about the extra features including terms, conditions, and limitations, visit tctfcu.nxgstrategies.com


Activate Monitoring

Activate your entitlement to monitoring services. You will have peace of mind knowing your credit file is continuously monitored for any new or suspicious activity.
Identity Theft Enrollment


All TCT Checking Accounts Receive:



TCT Checking Account Comparison
FeatureOriginal CheckingPeace 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 No Yes
Monthly Credit Score, Monitoring and Alerts No Yes
Dark Web Monitoring No Yes
Mobile Phone Protection No Yes
Access to travel, dining, and shopping discounts online 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
Account Research $10.00 Free
** Can Opt-out   Overdraft Program Overview and Courtesy Pay Agreement

Ask about a TCT Checking Account
* Required Fields
Preferred method of contact:
TCT Branch Location of Preference:
Products of Interest (please check all that you are interested in):
Security Code:


Woman using ATM

Allpoint logo

TCT has partnered with Allpoint, the nation's largest ATM network to bring you over 55,000 surcharge-free ATMs.


Typing on laptop

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.



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.


Go to main navigation


Go to main navigation

Membership Perks

Take advantage of all the discounts and free services available to you.

View Perks

Have Questions?

If you have additional questions, call us at 1-800-721-8288 or visit a TCT branch to meet with a Member Service Specialist. 

Contact Us

Go to main navigation