Free Checking

Manage your money the right way.

Switch to TCU Free 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

Free Online and
Mobile Banking

Free
Bill Pay

None of the limitations
of a prepaid card

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.
	Free Checking	Access Checking	Investor Checking
Minimum Balance	$0	$0	$2,500¹
Checks	✓	No	²✓
Monthly Fee	$0	$0	$7.50¹
Earn Dividends	No	No	✓
Free Online and Mobile Banking	✓	✓	✓

Access
Checking

Access combines the best features of traditional checking with online access and digital payments.

Investor
Checking

Earn our highest checking dividends paired with other great features.

Youth
Checking

Teach your teen the basics of financial responsibility with a TCU checking account.

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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