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Free Checking

Manage your money the right way.

Open an Account

Switch to TCU Checking & Earn $250. Learn More >

This account is perfect for on the go quick and easy access to your funds. TCU’s Free Checking account is our most popular way to manage you money because there are no monthly fees and no minimum balance needed. Enjoy features such as up to 2 Days Early Pay with Direct Deposit, Apple Pay® and Samsung Pay®, and free Online Banking with free Bill Pay.

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Do Things Your Way

  • Up to 2 Days Early Pay with Direct Deposit*
  • Apple Pay® & Samsung Pay® Ready
  • Free access to 30,000 ATMs nationwide
  • No monthly fees and no minimums

And More...

All of the convenience of a Visa debit card

All of the convenience
of a Visa debit card

Free online and mobile banking

Free Online and
Mobile Banking

Free bill pay

Bill Pay

None of the limitations of a prepaid card

None of the limitations
of a prepaid card





Minimum Balance





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Monthly Fee




Earn Dividends

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Free Online and 
Mobile Banking

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See disclosure for complete details.

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

Investor Checking:
1. 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.)
2. One box of free Classic checks may be ordered at a time.

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.

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

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Forbes Top 10 Credit Unions in California Award
Desjardins Financial Education Award, 1st place nationwide, adult and youth
US Air Force Distinguished Credit Union of the Year
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Routing 321170839

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