Checking Accounts

Select The Right One For You

Plus earn a $250 Bonus¹

At TCU, we offer a range of checking accounts designed to meet your unique needs with best-in-class personalized service.

Choose what’s right for you.

Checking Account Disclosure & Fee Schedule.

Comparison Chart of Personal Checking Account, benefit categories listed in first column, accounts are listed by column. Checkmarks indicate what benefits apply to each account.
Benefits Overview	Access Checking Simple checking account with no overdraft fees	Free Checking Perfect for on the go quick and easy access to your funds	Investor Checking Earn dividends on your balances
Account Features
Monthly Fees	$0	$0	$7.50^2,3
Minimum Balance	$0	$0	$2,500²
Earn Dividends	—No	—No	✓
Checks	—No	Yes	Yes
Overdraft Protection	—No	Yes	Yes
Funds Management
Up to 2 Days Early Pay w/ Direct Deposit⁴	Yes	Yes	Yes
Access to 30,000 ATMs⁵	Yes	Yes	Yes
Apple Pay® & Samsung Pay® Ready	Yes	Yes	Yes
Zelle^® - Pay anyone via phone or email for free in real time⁶	Yes	Yes	Yes
Security
NCUA Insured	Yes	Yes	Yes
Mobile Banking available 24/7	Yes	Yes	Yes
	Open TodayOpen Today	Open TodayOpen Today	Open TodayOpen Today

Visa^® Debit Card
Experience the security & convenience with our Visa Debit Card, featuring tap-to-pay and compatibility with Apple Pay and Samsung Pay.

Easy to Switch to TCU
Switching to TCU is easy, discover how seamless it is to join us today!

1. $250 offer applies to new and existing Travis Credit Union (TCU) members who open their first TCU checking account between July 1, 2024 and September 30, 2024 and meet the deposit requirements. Only Free Checking and Access Checking accounts are eligible for this offer.

To qualify for the $250 reward:
A Prime Share Account is required to establish a new membership (requires a one-time non-refundable $5 fee plus a $5.00 minimum deposit) and/or a new TCU Free Checking or Access Checking account must be opened using the promo code with a $50.00 minimum deposit.
Deposit a total of $500 monthly for 3 months within 120 days of account opening into your Free Checking or Access Checking account through qualified direct deposits.
Qualifying direct deposits are payroll or other personal income such as paycheck, pension or government payments (e.g. Social Security) via the Automated Clearing House (“ACH”). Direct deposits processed as a Debit Card credit or via Account to Account or Peer to Peer (e.g. Zelle®, Venmo) transfer or external bank ACH transfer not from employer do not qualify. Only new money qualifies and no cash deposits (cash allowed for the initial deposits). New money is defined as funds not currently on deposit with TCU.
Your Free Checking or Access Checking account must be open, in good standing and must have a balance greater than zero when the cash bonus is paid. The $250 reward will be payable into the checking account within 30 days after qualifications being met. The $250 reward is considered interest and will be reported on IRS form 1099-INT.
Offer only applies to ages 18 years and over. Excludes Travis Credit Union employees. Only one offer per member allowed. Membership eligibility and other restrictions may apply.

See account disclosure for complete details. This offer is subject to change or cancellation at any time. Insured by NCUA. Applicant must meet membership and account qualifications.

2. Investor Checking: A minimum checking balance of $2,500 or a combined checking, savings, money market and/or certificate accounts balance of $5,000 or more required to avoid the monthly $7.50 fee. (Combined balance does not include IRA savings or IRA certificates.)

3. One box of free Classic checks may be ordered at a time.

4. Early posting is not guaranteed and is dependent upon individual’s payroll. Subject to receipt from originator and other terms and conditions.

5. 30,000 ATMs Nationwide are part of the CO-OP Shared ATM Network

6. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled with Zelle. Data charges may apply. Check with your mobile phone carrier for details.

View Web Security Statement

Frequently Asked Questions (FAQs)