FAQs - open a new account

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 be posted in 1 – 2 business days.


 

Can I opt-out of getting an ATM/Check 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 (800) 877-8328 or (707) 449-4000 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

 

How can I reopen an application that is in process?

A: If you saved your application, you should have received an email with a link to access the application. In order to reopen the application, you’ll need the password you created at the beginning of the application process. If you’re unable to access the application, you may start a new one or contact us at (800) 877-8328 or (707) 449-4000 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 in completing the application.


 

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 on on-screen message that includes your member number and a link to our Online Banking registration page. You’ll also receive a welcome email with a link to Online Banking registration.


 

What if I want to cancel the application after I submit it?

A: Please contact us at (800) 877-8328 or (707) 449-4000 during normal business hours – Monday through Friday, 8 a.m. to 7 p.m. and Saturdays, 9 a.m. to 5 p.m. Someone will manually cancel the application process.

After Application is Submitted

 

Where is my money?

We are processing your initial deposit and it will be posted within 1–2 business days.


 

Will someone contact me regarding my application?

If more information is needed to process your application, a representative will contact you within 72 hours. If you have not heard from us within that timeframe, please contact us at (800) 877-8328 or (707) 449-4000 during normal business hours – Monday through Friday, 8 a.m. to 7 p.m. and Saturdays, 9 a.m. to 5 p.m.


 

Why was my application declined?

There are a variety of reasons an application may have been declined. You will receive an Adverse Action letter detailing the reason the application was declined.


 

When will I receive my ATM/ Debit card?

If you opened a checking account, your ATM/ Debit card should be received in 10 – 14 days. A randomly generated PIN number will be assigned to your new card and mailed in a separate envelope to ensure security. For security purposes, we are not able to personalize this PIN.


 

How do I order checks?

If you opened a checking account, simply check the box to request first order. In the future, you can re-order checks online, call our Member Service Center at (800) 877-8328 or (707) 449-4000 during normal business hours – Monday through Friday, 8 a.m. to 7 p.m. and Saturdays, 9 a.m. to 5 p.m.


 

Please review our complete membership agreement and disclosure.

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