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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. Teens who are 14 to 17 may have a Visa® debit card with photo ID and parent/guardian consent.

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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Access Account

Access has all the best features you'd find in a traditional checking account – without the checkbook or overdraft fees! You can do things such as withdraw cash, pay for gas, buy groceries, pay for dinner and all other debit card purchases with the Visa card logo is accepted. Best of all you can never over-withdraw on your account so you’ll avoid fees.* Teens who are 14 to 17 may have a Visa® debit card with photo ID and parent/guardian consent.

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*Purchases made with the Access Account debit card will be rejected if there are insufficient funds in the account. This account cannot be linked to overdraft sources or courtesy pay. Personal checks are not allowed with this account. Applicant must meet membership and account qualifications. Other restrictions and conditions may apply. See disclosure for complete details.


Checking for our Teen Members

A great way to teach teens some basics of financial responsibility is through opening a checking account. At Travis, teens can open any checking account except for Silver Wings (age 60+), but we encourage them to open Access or Free Checking to help them learn to manage their finances. Come in to any branch to establish an account (sorry, we cannot open checking accounts for minors online). Teens who are 14 to 17 may have a Visa® debit card if they have a photo ID and a parent/guardian’s consent.

Branch Locations


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.

MINIMUM BALANCE
TO OBTAIN APY
DIVIDEND
RATE
ANNUAL PERCENTAGE
YIELD (APY)
Minimum Initial Deposit $50
$0 TO $499.99 0.00% 0.00%
$500 OR MORE 0.05% 0.05%

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Dividend Checking

This account is for those who want to earn dividends by maintaining a minimum balance of $500.

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MINIMUM BALANCE
TO OBTAIN APY
DIVIDEND
RATE
ANNUAL PERCENTAGE
YIELD (APY)
Minimum Initial Deposit $50
$0 TO $499.99 0.00% 0.00%
$500 OR MORE 0.05% 0.05%

*A minimum Checking account balance of $500 or a combined daily deposit balance of $2,500 or more (excludes IRAs and Certificates) required to avoid the $5.00 monthly fee.


Investor Checking

Those who carry higher balances can earn our highest checking dividends through Investor Checking. You’ll also enjoy the following free benefits: overdraft protection, four foreign ATM transactions per month¹ and Classic checks².

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MINIMUM BALANCE
TO OBTAIN APY
DIVIDEND
RATE
ANNUAL PERCENTAGE
YIELD (APY)
Minimum Initial Deposit $50
$0 TO $999.99 0.00% 0.00%
$1,000 OR 4,999.99 0.15% 0.15%
$5,000 TO $9,999.99 0.20% 0.20%
$10,000 TO $24,999.99 0.25% 0.25%
$25,000 TO $49,999.99 0.25% 0.25%
$50,000 OR MORE 0.30% 0.30%

**A minimum checking balance of $2,500 or a combined checking, savings and money market balance of $5,000 or more required to avoid the monthly $7.50 fee. Combined balances exclude certificates and IRAs.
1. Four free Non-CO-OP Network ATM transactions per month, then $1.50 fee per transaction. No fee from Travis Credit Union applies, but surcharges from other non-CO-OP Network financial institution ATM owners may apply.
2. One box of free Classic checks may be ordered at a time.


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 and no overdraft transfer fees or monthly service fees.

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.


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