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 PC,
by 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 $100,000 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 service. (If you have not signed
up for Teamnet, you will need to do so first.)
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 included
with every TCU checking account!
You may now overdraw your TCU checking account by up to $300.
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). The Daily Income Account is also considered to
be a savings account.
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 service. (If you have not signed
up for Teamnet, you will need to do so first.)
MasterCard CheckCard
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 Check 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! It works in
virtually any ATM. 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 MasterCard 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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