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New Members Existing Members Youth Accounts

 

 


 

Thank you for your interest in Travis Credit Union.

Please follow the instructions in this application to open your new account. You may complete this application in one session or save it and return to it later. We look forward to your membership.

The application process will take about 10 minutes. During this process you will be asked a series of questions to help us verify your identity. You will need the following information:

  • Your Social Security Number (We will ask you to disclose if you are subject to backup withholding per (IRC SEC 3406(a)(1)(c))
  • Your government-issued ID (e.g., State issued Driver's License/ID, Passport)
  • Your eligibility for membership
  • Proof of address may be required if the address on your government-issued ID is not current
  • Your physical address is required (A PO Box is not valid)
  • Your occupation and other personal information to help identify you
  • Your information to fund your new account electronically
    • Checking or savings routing number and account number (if you are funding your account using another account that you own)
    • Your credit card information
    • Note: There is a maximum funding limit of $2,500. If you wish to deposit a higher amount, please contact our Member Service Center at (800) 877-8328 once your accounts have been established.

YOUTH MEMBERSHIP – If selected:

  • Enter Youth information first (Youth will be Primary Owner)
  • Joint Applicant required (18 years or older) – If the joint owner is someone other than the parent/legal guardian, parental consent must be obtained.
  • ATM Cards – If selected:
    • ATM card will be issued to the Joint applicant if selected
    • For Youth 14 years and older, an ATM card may be issued to them at a branch with signed consent by a Parent/Guardian and valid ID.

 

FAQs – Opening a new account online

FAQs - Open an Account

 


 

What you need to know before opening an account

Please review the following information about our accounts and services if you’re considering opening a new Travis Credit Union account using the “Open an Account” button on this page.

TCU Online Account Opening Membership Disclosure

Share Savings Accounts
Federal regulations and the Deposit Agreement and Disclosures limit the number of the following types of withdrawals and transfers from a savings account to a total of six each monthly statement cycle: automatic or pre-authorized transfers, telephone transfers, Online Banking transfers or payments, or, if checks or debit cards are allowed on the account, check, draft and point-of-sale transactions. If you exceed these limits on more than an occasional basis, we may charge you a fee.

View the current Annual Percentage Yield (APY). Rates may change at any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account.

A quarterly low balance fee is assessed if you are over 21 years of age, your combined average quarterly balances in your savings, money market, IRAs, checking and certificates owned by the same member are less than $100 and you have no outstanding TCU loan balances. The fee will also be waived regardless of balance if you have direct deposit of $500 or more each month or there are three or more monetary transactions per month of $10 or more each on your checking account.

When you enroll in the Ultimate Rewards Program and meet all requirements specified below, you will earn a higher dividend rate and Annual Percentage Yield (APY) on the first $500 balance in your share account. Balances over the $500 will continue to earn the standard dividends and APY. In order to receive the higher rate under the Ultimate Rewards Program, you must have the following services with Travis Credit Union: any checking account; e-statements (no paper statement delivery); and either active Bill Pay (three or more bills of $10 or more paid every calendar month) or net monthly Direct Deposit of $500 or more. For Youth Accounts, after enrollment, the only requirement is to have e-statements.

Anytime you do not meet all program requirements in a month, you will not be paid the higher rate of the program, but will receive the dividend rate for the regular share account. Only one Ultimate Rewards arrangement will be available per Social Security Number of the primary account holder. Members who maintain a $500 balance for a calendar year would earn $19.80 in dividends. Rates are subject to change.

Dividend Checking
View the current Annual Percentage Yield (APY). Rates may change at any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account.

There is no fee on Dividend Checking accounts that maintain a minimum daily balance of $500 in the checking account or a combined minimum daily balance of $2,500 in checking, share, and/or money market accounts. (Combined balance does not include certificate accounts or IRAs.) Otherwise a $5.00 monthly fee applies.

Investor Checking
View the current Annual Percentage Yield (APY). Rates may change at any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account.

There is no fee on Investor Checking accounts that maintain a minimum daily balance of $2,500 in the checking account or a combined minimum daily balance of $5,000 in checking, share, and/or money market accounts. (Combined balance does not include certificate accounts or IRAs.) Otherwise a $7.50 monthly fee applies.

End-of-day balances will earn different daily dividend rates depending on the applicable tier. For example, for Investor Checking, if your end-of day balance is $7,000, you would earn the dividend rate for the $5,000 to $9,999.99 balance range for that day on the entire balance and if next day your end-of day balance is $1,000, you would earn the dividend rate for the $1,000 to $4,999.99 balance range for that day on the entire balance. No dividends will be paid on any day your balance falls below $1,000.

Money Market Accounts
Important Notice: Federal regulations and the Deposit Agreement and Disclosures limit the number of the following types of withdrawals and transfers from a money market account to a total of six each monthly statement cycle (each month for savings accounts with a quarterly statement cycle): automatic or pre-authorized transfers, telephone transfers, Online Banking transfers or payments, or, if checks or debit cards are allowed on the account, check, draft and point-of-sale transactions. Transactions over the limit of 6 per month may be declined or rejected. If you exceed these limits on more than an occasional basis, we may convert your account to another type of account and your account may no longer earn dividends.

View the current Annual Percentage Yield (APY). Rates may change at any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account.

Certificates
View the current Annual Percentage Yield (APY). Rates may change at any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account.

A penalty is imposed for early withdrawal. Please see the Deposit Agreement and Disclosures for details.

We will send you a maturity notice prior to renewal. Please read it carefully. We may change the type, term or other feature of your certificate by giving you notice. If we make a change, we tell you about the change in the maturity notice.

TCU-NAO rev. 12/2016


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NMLS #643926

This credit union is federally insured by the National Credit Union Administration.

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