Convenience, security, and personalized perks to fit your lifestyle!
With a TCT Checking Account, you can rest assured that you'll be ready for wherever the day takes you. Select our Peace of Mind Checking and you'll receive enhanced benefits including automatic courtesy overdraft and identity theft recovery services.
All TCT Checking Accounts Receive:
- Free Online and Mobile Banking
- Free Debit Card with alerts and controls
- Free eStatements
- Free Online Bill Pay
- 55,000 Surcharge-free Allpoint ATMs
- Apple Pay, Google Pay, Samsung Pay
- No Minimum Balance Requirement
TCT Original Checking
Sometimes the original is really all you need. TCT's Original Checking Account offers all of the essentials of a standard checking account with no minimum balance requirement and no monthly maintenance fee.
Peace of Mind Checking
Peace of Mind Checking has a $5.00 monthly account maintenance fee and provides enhanced benefits and protection including automatic courtesy overdraft, debit card round-up to build savings, fully managed identity theft recovery services, access to credit and dark web monitoring with alerts, and monthly credit score, plus online discounts, and mobile phone insurance.
| 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
1Benefits 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.
2Special 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.
3You 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.
4Credit 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.
Have 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.
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