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Access Checking

Easy, Online and No Overdraft Fees

Open an Account

Switch to TCU Checking & Earn $350. Learn More >

Our Access Checking account embraces only the best features of a traditional checking account. Use your Access Visa® debit card to swipe, tap or sign for purchases. Access Checking has 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. Plus, there’s no overdraft fees, ever.

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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 Overdraft Fees

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

Free
Bill Pay

None of the limitations of a prepaid card

None of the limitations
of a prepaid card

 

Free
Checking

Access
Checking

Investor
Checking

Minimum Balance

$0

$0

$2,5001

Checks

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Monthly Fee

$0

$0

$7.501

Earn Dividends

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Free Online and 
Mobile Banking

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Zelle® - Pay anyone via phone or email for free

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Purchases made with the Access Checking Account debit card will be rejected if there are insufficient funds in the account. Some merchants such as gas stations, restaurants, hotels, and rental car agencies do not initially authorize the full amount of the purchase. This may cause the transaction to be force posted to the account even if there are insufficient funds when the full amount of the transaction posts to your account. Your account will not be charged a non-sufficient funds fee but may go into a negative status. You will be responsible for paying any overdrawn amount. This account cannot be linked to overdraft sources or courtesy pay. Personal checks are not allowed with this account. Other restrictions and conditions may apply. 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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