Checking
Checking Accounts
Lost / Stolen Debit Cards: 800-854-6219
Get full-service checking and worldwide access to your accounts. Total Choice provides members with a variety of checking options to choose from including: Basic, Money Market, Senior (members 60 years or older), and Good Start Checking (members 16-25 years of age).
Checking Account Comparison Table
| Feature | Basic | Money Market | Good Start | Senior |
|---|---|---|---|---|
| Age Eligibility | 26+ | Any | 16 - 25 | 60+ |
| Required Opening Deposit | $50.00 | $10,000.00 | $25.00 | $50.00 |
| Transaction Limits (check-writing or withdrawals) | None | 6 per Month | None | None |
| Monthly Minimum Balance to Earn Dividends | $0.01 | $0.00 | $0.01 | $0.01 |
| Per-Item Check Writing Fees | None | None | None | None |
| Free 24-hour OLB | X | X | X | X |
| Free Online Billpayer | X | X | X | X |
| Overdraft Transfer from your other accounts ($2.00 per transfer) | X | X | X | X |
| Overdraft Protection (you must opt-in for this service; service charges apply) | X | X | X | X |
| Monthly Service Charge | $3.00 | $0.00 | $0.00 | $0.00 |
| Dividends Paid | Quarterly | Monthly | Quarterly | Quarterly |
| Dividend Calculation Method | Average Daily Balance | Average Daily Balance | Average Daily Balance | Average Daily Balance |
| Free Debit Card | X | X | X | X |
| Direct Deposit & Payroll Deduction Available | X | X | X | X |
| One box of 120 free checks per year | X |
Overdraft Protection*
For those times when your checking account is short, and you accidentally cause an overdraft, TCFCU has 2 options to cover the gap:
Overdraft Transfer
Funds are transferred from the savings account(s) of your choice
Limited to the amount in the transfer account; will only transfer what is available
Link any account you’re an owner on, including cross-member transfers
Service charge per transfer: $2.00
Transactions covered include checks, debit transactions, ACH debits
Everyday Debit Card & ATM Transactions
Contact us to opt-in for Overdraft Protection for your everyday (non-recurring) debit card & ATM transactions
We don’t cover these transactions unless you sign our form in accordance with federal law
An overdraft service charge of $38.00 applies for this service
*We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.