Checking accounts, mobile view banner

Checking Accounts

Select the right one for you

Switch to a Travis checking today and enjoy great easy-to-use features such as Apple Pay® and Samsung Pay®, Zelle® person-to-person payments, free Online Banking with free Bill Pay and free access to 30,000 CO-OP Network® ATMs across the U.S. and Canada.

Get peace of mind, too. Our checking and savings accounts are federally insured up to $250,000 by the NCUA.

Open an Account Switch Today

Free Checking

Free Checking means no monthly fees and no minimum balance. Use your Visa® debit card for transactions and write checks as needed. Enabled for Apply Pay® and Samsung Pay®, too!  

Access Account

Access embraces only the best features of a traditional checking. It’s enabled for Apple Pay® and Samsung Pay®, and you can send money to others via Zelle®. Plus, there are no checks to write or reconcile, and no overdraft fees, ever. Learn More >

Silver Wings Checking

Silver Wings provides added benefits for those age 60 and older. There is no minimum balance requirement, no monthly fee and you’ll get one free box of Classic checks. Plus, dividends are paid with a minimum daily balance of $500. See Chart >

Dividend Checking

This account is for those who want to earn dividends by maintaining a minimum balance of $500 or a combined daily balance of $2,500 or more (excludes IRAs and Certificates). Otherwise, a $5 monthly fee is charged. See Chart >

Investor Checking

Those who carry higher balances can earn our highest checking dividends with Investor Checking. Other great features include overdraft protection, four foreign ATM transactions per month¹ and Classic checks². See Chart >  

Checking for Teen Members

Teach your teen the basics of financial responsibility with a TCU checking account. Teens may open any checking account except for Silver Wings and need to visit a branch to open their account. Those who are age 14 to 17 may have a Visa® debit card if they have a photo ID and a parent/guardian’s consent.

Overdraft Protection

Our Ready Reserve Line of Credit is an unsecured revolving loan that you can link to any TCU checking account for overdraft protection. It provides you with deposits in $100 increments to your checking account to cover any overdrafts that may incur.

Apply Online for Ready Reserve > Frequently Asked Questions >

**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.

View Web Security Statement