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All Travis Credit Union checking accounts come with great features such as free Online Banking with free Bill Pay, free access to more than 30,000 CO-OP Network® ATMs, a free Visa® Debit Card and free I.D. Theft Assistance. Funds in our checking and savings accounts are federally insured up to $250,000 by the NCUA.


 

Free Checking

Why pay bank fees on your checking account? Switch to Travis and enjoy our truly Free Checking Account with no strings attached. Enjoy no monthly fee and no minimum balance.

If you don’t have a TCU checking account and would like to open one, switching your checking account is simple. For personal assistance, visit any branch or call our Member Service Center at (707) 449-4000 or (800) 877-8328. Or, click the button below to open an account online.

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Silver Wings Checking

Silver Wings Checking is a free checking account with added benefits for people who are 60 or older. There's no minimum balance requirement and no monthly fee. One free box of Classic checks may be ordered at a time. Dividends paid with minimum daily balance of $500.

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Dividend Checking

This account is for those who want to earn dividends by maintaining a minimum balance of $500. Enjoy no monthly fee with Dividend Checking when you maintain the minimum checking balance of $500 or a combined checking, savings and money market account balance of $2,500 or more.¹ Click on our 'Rates' tab to see our current dividend rates.
1. Otherwise a $5 monthly fee applies. Combined balances exclude certificates and IRAs.

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Investor Checking

Those who carry higher balances can earn our highest checking dividends through Investor Checking. This account is free with a minimum checking balance of $2,500 or a combined checking, savings and money market balance of $5,000 or more.¹ You’ll also enjoy the following free benefits: overdraft protection, Classic checks² and four foreign ATM transactions per month.³ Click on our 'Rates' tab to see our current dividend rates. One free box of Classic checks may be ordered at a time.
1. Otherwise a $7.50 monthly fee applies. Combined balances exclude certificates and IRAs.
2. One box of free Classic checks may be ordered at a time.
3. No fee from Travis Credit Union applies, but surcharges from other non-CO-OP Network financial institution ATM owners may apply.

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Youth Checking

Our Youth Checking accounts are designed to teach teens about money management using a checking account. There are no membership or quarterly low balance fees. This account comes with a free ATM card or Visa Debit Card.

To open a Youth Checking account, please visit any of our convenient branch locations. We also offer a Young Adult Visa credit card with a $2,000 limit to help young adults establish credit.

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Check Ordering & Check Reorder

You can save time by reordering your checks online or by phone.

To reorder checks online:

  1. Login to our secure Online Banking system
  2. Navigate to the Account Summary page
  3. Click the “Re-Order Checks” option next to eligible accounts

Or, you may call our Member Service Center at (800) 877-8328 Monday through Saturday during regular working hours. If you're not enrolled in Online Banking, get started.

Enrollment is quick and easy.


Ready Reserve Overdraft Line of Credit

The Ready Reserve Overdraft Line of Credit is an unsecured revolving loan that you can link to your checking accounts as a source of Overdraft Protection. This product provides a safety net in the event that you need emergency funds for your checking account. In the event your checking account becomes overdrawn, your Ready Reserve Overdraft Line of Credit will protect your checking account by transferring funds in $100 increments to cover the overdraft.

Apply Online for Ready Reserve


Frequently Asked Questions (FAQs)

What is a Ready Reserve Overdraft Line of Credit?
The Ready Reserve Overdraft Line of Credit is an unsecured revolving loan that you can link to your checking accounts as a source of Overdraft Protection. This product provides a safety net in the event that you need emergency funds for your checking account.

How does the Ready Reserve Overdraft Line of Credit work?
In the event your checking account becomes overdrawn, your Ready Reserve Overdraft Line of Credit will protect your checking account by transferring funds in $100 increments to cover the overdraft.

What if I have more than one checking account? Can I use this product for more than one checking account?
Yes, this product can be linked to multiple checking accounts – you just have to be the primary owner on the checking account that gets linked.

Does this Line of Credit report to the Credit Bureaus?
Yes, this is an Active Revolving Loan, and will be reported to all three major credit reporting bureaus. This means that we can help you establish new positive credit, even if you are not using the overdraft protection.

So, how much do I have to pay to have this Ready Reserve Overdraft Line of Credit?
This product is designed to save you money – there are no annual fees, no overdraft transfer fees or monthly service fees. This is a loan, so there could be interest charges associated with it, however, you can avoid paying interest entirely by paying off your balance in full before the 30th of the following month.

How do I pay it back?
The easiest way to make payments is through your Online Banking. You can also make payments in person at a branch or over the phone.

How much is the payment and when is it due?
If you choose to make monthly payments on the balance, a minimum payment of $20 or 2% of the balance is required monthly and is due by the 30th of the following month.

Will I get a separate statement in the mail for this product?
The statement for the Ready Reserve Overdraft Line of Credit will be located on your regular monthly banking statement. Please remember to sign up for e-Statements to have quick access to your bank statements online at all times.


 *Free with a minimum Checking account balance of $500 or a combined daily deposit balance of $2,500 or more (excludes IRAs and Certificates). Otherwise, a $5.00 monthly fee applies.

**Free with a minimum Checking account balance of $2,500 or a combined daily deposit balance of $5000 or more (excludes IRAs and Certificates). Otherwise, a $7.50 monthly fee applies. †Four free Non-CO-OP Network ATM transactions per month, then $1.50 fee per transaction.