Opening a New Account Online
What do I need to open an account online?
You can quickly and easily open an account online. Please have the following information on hand when you begin your application:
- Your Social Security number
- Your current residential address
- Valid form of Identification
(i.e. State/military ID, California driver’s license, US Passport, permanent residence card)
- Your email address
- Your account number or debit card number to make your opening deposit into your new TCU account
- Co-applicant’s personal information (if applicable)
Is the online account opening secure?
Yes, we use state-of-the-art encryption technology and other techniques to protect your personal financial information.
Do I have to make a deposit right away to open my new account?
Yes, you will be asked to make an initial deposit for your new account, we accept debit or credit card and e-check options. The deposit will show immediately and will be available within 7 business days.
Can I opt-out of getting a debit card?
Yes, if you opened a checking account, simply do not check the box next to this option when choosing the products and services.
Can I set up direct deposit as soon as I get my account number?
Yes, simply provide your employer with your new checking account number and routing number.
Can I enroll in Bill Pay as soon as my account is opened?
Yes, if you opened a checking account, once you are enrolled in online banking, click on the Bill Pay folder and it will lead you through the enrollment process.
What types of accounts can I open via online?
You can open a variety of accounts including Savings, Checking, Certificates, Money Market & Youth Accounts (minor must be first on the application).
Who can I call if I want to speak to someone prior to opening an account online?
Our Member Service Center can be reached at (707) 449-4000 or (800) 877-8328 during normal business hours – Monday through Friday, 8 a.m. to 7 p.m. and Saturdays, 9 a.m. to 5 p.m.
During the Application
Why did I receive an Oops error message?
You could be receiving an Oops message due to a general timeout or connectively issue. Please submit a new application online. If the issue persists, please call the Member Service Center at (707) 449-4000 or (800) 877-8328 during normal business hours – Monday through Friday, 8 a.m. to 7 p.m. and Saturdays, 9 a.m. to 5 p.m.
Why can’t I click the box that I’ve read the disclosure and agreement?
In order to check this box you must open the “TCU Membership Agreement and Disclosure”. (You will be directed to another page with the disclosure information.) Scroll through this page, close it and return to the application. You will now be able to check the box.
How can I reopen an application that is in process?
If you saved your application, you should have received an email with a link and instructions to access the application. If you’re unable to access the application, you may start a new one or contact us at (707) 449-4000 or (800) 877-8328 during normal business hours – Monday through Friday, 8 a.m. to 7 p.m. and Saturdays, 9 a.m. to 5 p.m. and we will assist you.
How do I know if you received my application?
You will receive an on-screen message letting you know either the account was opened successfully or someone will contact you if needed for more information to complete the application.
How do I register for online banking?
Once your new account is successfully opened, you’ll receive an email that includes your member number and a link to our Online Banking registration page.
What if I want to cancel the application after I submit it?
Please contact us at (707) 469-1936 during normal business hours – Monday through Friday, 8:30 a.m. to 5 p.m., and Saturdays from 8 a.m. to 4:30 p.m. Someone will manually cancel the application process.
After Application is Submitted
Where is my money?
The deposit will show immediately and will be available within 7 business days.
Will someone contact me regarding my application?
If more information is needed to process your application, a representative will contact you within 24–72 hours. If you have not heard from us within that timeframe, please contact us at (707) 469-1936 during normal business hours – Monday through Friday, 8:30 a.m. to 5 p.m., and Saturdays from 8 a.m. to 4:30 p.m.
Why was my application declined?
There are a variety of reasons an application may have been declined. You may receive an Adverse Action notice via email detailing the reason the application was declined.
When will I receive my debit card?
If you selected to receive a debit card, you should receive your card within 10–14 days. A randomly generated PIN # will be sent in a separate mailing to ensure security.
How do I order checks?
If you opened a checking account, please call our Member Service Center at (707) 449-4000 or (800) 877-8328 during normal business hours – Monday through Friday, 8 a.m. to 7 p.m. and Saturdays, 9 a.m. to 5 p.m. They will assist you with ordering checks.
Please review our complete membership agreement and disclosure.