Get peace of mind with your checking.
Peace of Mind Checking has a monthly account maintenance fee of $5.00 and provides enhanced checking benefits and protection.
Enhanced Checking Benefits
- Automatic Courtesy Pay with a $400 limit, $7 overdraft fee for checks/ACH*
- Reduced $5 Non-Sufficient Funds fee*
- Access to Debit Card Round-UP to save automatically OPT-IN to start saving
- Duplicate Checks with direct deposit, at no cost
- Account Research and Statement/check Printing services, at no cost
- Money Orders and Corporate Checks, at no cost
*Any negative balance should be resolved within 30 days. Overdraft Overview and Courtesy Pay Agreement
Plus, Extra Features
- Fully Managed Identity Theft Resolution1 - access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
- Up to $10,000 Identity Theft Expense Reimbursement Coverage2 - for expenses associated with restoring your identity.
- Credit File Monitoring with Alerts† - daily credit file monitoring and automated alerts of key changes to your single bureau credit report
- Credit Report and Score† - Access to credit report and credit scores.
- Credit Score Simulator3
- Credit Score Tracker - receive valuable insight into your credit score3,4
- Identity and Dark Web Monitoring†
- Debit and Credit Card Registration†
- Mobile Phone Protection2 – Receive up to $500 of replacement or repair costs if your eligible cell phones are stolen or damaged (Cell phone bill must be paid using Peace of Mind Checking account.)
- $hopping RewardsTM† - Earn cash rewards when you shop online at dozens of your favorite retailers. (available via mobile and web only)
- InstaDealsTM: Save with discounts on shopping, dining, travel, and entertainment. (available via mobile and web only)
To learn more about the extra features including terms, conditions, and limitations, stop by your local branch or speak to a TCT FCU representative.
Benefits Service Center: 1-866-210-0361
All TCT Checking Accounts Receive:
- Free Online and Mobile Banking
- Free Debit Card with alerts and controls
- Free e-Statements
- Free Online Bill Pay
- 55,000 Surcharge-free Allpoint ATMs
- Apple Pay, Google Pay, Samsung Pay
- No Minimum Balance Requirement
| Feature | Original Checking | Peace of Mind Checking |
|---|---|---|
| No Minimum Balance Requirement | Yes | Yes |
| Contactless Debit Card | Yes | Yes |
| Apple Pay, Google Pay, Samsung Pay | Yes | Yes |
| Monthly Maintenance Fee | No | $5.00 |
| Fully Managed Identity Theft Resolution1 | No | Yes |
| Up to $10,000 Identity Theft Expense Reimbursement Coverage2 | No | Yes |
| Credit File Monitoring with Alerts† | No | Yes |
| Credit Report and Score† | No | Yes |
| Credit Score Simulator3 | No | Yes |
| Credit Score Tracker - receive valuable insight into your credit score3,4 | No | Yes |
| Identity and Dark Web Monitoring† | No | Yes |
| Debit and Credit Card Registration† | No | Yes |
| Mobile Phone Protection2 | No | Yes |
| $hopping RewardsTM | No | Yes |
| InstaDealsTM | No | Yes |
| Returned ACH/Check NSF Fee | $25.00 per submission | $5.00 per submission |
| Automatic Courtesy Overdraft** | No | Yes - $400 Limit |
| Overdraft ACH/Check Fee | $25.00 per submission | $7.00 per submission |
| Debit Card Roundup** | No | Yes |
| Free Personal Checks w/Direct Deposit | Yes - Singles | Yes - Singles and Duplicates |
| Official Checks/Money Orders | $2.00 | Free |
| Copy of Cancelled Check $1.50 | $1.50 | Free |
| Statement Copy $2.00 | $2.00 | Free |
| Interim Account History | $1.00 | Free |
| Account Research | $10.00 | Free |
| OPEN ACCOUNT | OPEN ACCOUNT | |
| ** Can Opt-out Overdraft Program Overview and Courtesy Pay Agreement | ||
†Registration/activation required
1 Benefits are available to personal checking account owner(s) and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration, and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account owner who are residents of the same household.
2 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit which is found online at peaceofmind.enjoymybenefits.com.
3 You will have access to your credit report and score provided your information has been verified by the CRA. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.
4 Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.
TCT has partnered with Allpoint, the nation's largest ATM network to bring you over 55,000 surcharge-free ATMs.
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Questions?
While we hope you find the information you need online, we want to assure you that TCT is more than a website. We're your credit union, and we look forward to helping you. Call us at 1-800-721-8288 for friendly, local assistance, or stop by one of our branches for personal service.
