Are you content with paying steep fees on your checking account with another financial institution, simply because switching would be too much of a hassle? Tobacco Valley Teachers Federal Credit Union can make switching your checking account hassle-free with our easy Switch Kit. Once you make the switch, we guarantee that you'll love the results, thanks to the benefits that our checking accounts offer! Plus you'll be able to take advantage of all our member discounts. Contact us today to open a Checking Account!
- NO minimum required balance
- NO monthly service fee
- NO per-check charge
- FREE VISA ATM/Debit card
- FREE RFID Sleeve for your VISA ATM/Debit card
- FREE Remote Check Deposit*
- BASIC CHECKS Available for Purchase
- FREE Direct Deposit Available
- FREE Online Virtual Branch & Bill Pay
- FREE Mobile Banking App
- FREE E-statements
- FREE Account access by phone 24/7 (CARLA Phone Response System)
- FEE-FREE transactions at ATM's displaying the CO-OP logo
- Overdraft protection available from your primary savings
- .25% DISCOUNT on a First Time Car Loan
- .25% DISCOUNT on a First Time Personal Loan
- Checks Available for Purchase (Free checks for those 17 years of age and younger)
- 1 FREE Money Order or Cashier’s Check per month
- FREE Account Reconciliation twice per year (we will help you balance your account)
- FREE Checks (plus free shipping)
myChance Checking (Draft) Account2
Everything in myChoice Checking
At TVTFCU, we're here to help you achieve financial wellness. Therefore, we are pleased to offer our myChance Checking (Draft) Account. This account is especially for those who have been denied checking accounts due to past credit histories. Open one today and you’ll also be able to take advantage of all our members discounts.
*Upon TVTFCU’s approval,you will be able to deposit checks into your account.
1Members under the age of 18 must have a parent/guardian co-signer.
To receive the loan discounts, member must be age 18 and over and have their loan payment automatically deducted from their TVTFCU Checking Account
2A myChance Checking (Draft) Account will have a $10.00 per month service charge applied.
The account will be monitored for 1 year and will be closed if it is in a negative balance for 30 days or if the account produces more than 3 Non-sufficient Funds (NSF) within the first year. After 1 year, the account will be moved over to one of our other Checking accounts with no monthly fee.
The credit union will not notify you if your account does not have available funds to pay an overdraft. If you feel this might be an issue to you, it will be your responsibility to review your account either through our FREE online Virtual Branch, FREE Mobile Banking App or by calling our automated phone system known as CARLA. You can access CARLA 24/7 by calling 860-253-6884 or 888-448-6670.
The credit union provides checks that you may purchase for a lower cost than from Harland Clarke and most other retailers. Save money by re-ordering with us! Members ages 17 and younger with a myLife Checking and members ages 65 and over with a myTime Checking receive FREE Checks and FREE shipping. Please contact us to place your order.
Use your Visa ATM/Debit Card to pay for purchases anywhere Visa is accepted. The purchase amount will automatically be deducted from available funds in your Tobacco Valley Teachers Federal Credit Union checking account. You can also use your card to access funds from your credit union checking or savings account at any ATM. Please read about using your debit card for foreign transactions below.
To help stop fraud from happening on your debit card, we will begin utilizing text messaging for fraud alerts on November 25. When a suspicious transaction is identified, a text message will be sent to you. Simply reply to the message confirming whether you recognize the transaction or not. If you do not recognize the transaction, your card will be blocked. If you recognize the transaction from a high-risk case, the temporary block will be removed from your card. If you recognize the transaction from a lower risk case, your card will remain unblocked.
Find a FEE-FREE ATM near you that is part of the CO-OP Network that we partner with. Other financial institutions may charge you a fee when you use their ATM.
CLICK HERE TO READ OUR VISA DEBIT CARD FREQUENTLY ASKED QUESTIONS
RFID Debit Card/Credit Card Sleeves: The credit union offers our members RFID sleeves for your TVTFCU Visa debit card and/or TVTFCU Visa credit card. These sleeves are designed to prevent thieves from being able to remotely scan the digital information stored on your debit and credit card. You may receive one sleeve free per card. Additional sleeves may be purchased for $1.00 each.
Debit Card Travel Notice
If you are going to be traveling within the United States or to foreign countries and you will be using your TVTFCU Debit Card, it’s important that you contact us to let us know prior to your trip.
By letting us know in advance we can see that your debit card does not get blocked and is activated for foreign transactions. You can download our Travel Information Form and return it to us or contact us Monday through Friday, during regular business hours, by calling 860-253-4780 or 800-749-8305 before your trip or purchase.
On-line Debit Card Purchases from Foreign Merchants
If you are going to be making a purchase from an online merchant located in a foreign country and you will be using your TVTFCU Debit Card, it’s important that you contact us to let us know prior to your purchase. By letting us know in advance we can see that your debit card does not get blocked and is activated for foreign transactions. You will need to contact us Monday through Friday, during regular business hours, by calling 860-253-4780 or 800-749-8305 before your purchase.
PLEASE NOTE: Due to the high risk of debit card fraud in foreign countries, you may not be able to use your debit card in all foreign countries and/or online purchases from a merchant outside of the United States. Another alternative when traveling or making online purchases is using our CUMoney Prepaid Reloadable Visa Cards or another payment option rather than using your debit card.