Why pay a bank for a checking account? Those endless fees
add up to quite a bit of your money each year. A checking account at your Credit Union
doesn't "nickel-and-dime" you. You also have free access to your account by
Internet, phone and through various other CU services that
cost extra at most banks. Together with your savings accounts, your checking accounts at
the Credit Union are federally insured to at least $250,000 by the National Credit Union
Share Insurance Fund (NCUSIF).
Free Checking
No monthly service fee. No minimum balance requirement. No "per check"
or "item" charges. And no catch. That's free checking at your Credit Union. You
also get automatic overdraft protection (via your Credit Union savings account).
Online Bill Pay is included with our Free Checking account at no extra charge, so you'll
be money ahead with all the postage you'll save! Sign up through TeamNet,
our free online banking & bill pay service.
Overdraft TeamPay
What if you could write checks for up to $300 more than you have in your TCU checking
account? It would be like helping yourself to a small loan or payday advance, wouldn't it?
Well, Overdraft TeamPay is a new service that lets you do just that, and it's now
available for every TCU checking account! Some restrictions apply. Contact the credit
union for details.
 | You may now overdraw your TCU checking account by up to $300 including
the overdraft fee(s). |
| You must bring your account current within 30 days, or your account
will be closed. |
| The fee is $25 for each overdraft. This NSF (non-sufficient funds) fee
applies whether we can cover the overdraft or not. |
| For technical reasons, you won't be able to overdraw your account at an
ATM, and you may or may not be able to do so via a debit transaction. |
High Yield Money Market
Account
This account is like interest-paying checking, but you'll earn a better return. Dividends
are paid monthly ($1,000 minimum balance).
Online Bill Pay is included with our High Yield Money Market account at no extra charge,
so you'll be money ahead with all the postage you'll save! Sign up through TeamNet,
our free online banking & bill pay service.
MasterCard DebitCard
Our debit card lets you make purchases directly from your Credit Union checking or savings
account. Instead of writing a check and fumbling for I.D., just use your Debit Card! Make
purchases anywhere MasterCard is accepted. Use it at POS (Point of Sale) terminals, at
supermarkets, gas stations, and other stores. You can also get cash in addition to making
your purchase -- without having to use an ATM or pay a surcharge fee! For those times when
you need hard cash, you can use just about any cash machine. Withdrawals are 75¢ each.
You can use our debit card surcharge free at MoneyPass ATM's Nationwide. This includes
ATM's at all US Bank branches. To find locations near you, visit MoneyPass.com
MasterCard Debit Card SecureCode
 Introducing
Debit Card MasterCard SecureCode -- a new online security service to guard you against
unauthorized use of your debit card while shopping online at participating merchants.
There is no need to get a new card, no software to download, no cost, and no hassles...
just added security. Once enrolled in this service, you'll have added confidence knowing
that MasterCard SecureCode performs an extra authentication step to protect your account
from unauthorized users online. More.
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