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Tobacco Valley Teachers FCU

Tobacco Valley Teachers Federal Credit Union

182 South Road, Enfield, CT 06082 - Routing Number: 211176969
Call: 860-253-4780 or 800-749-8305 | Fax: 860-253-4785
Email: msr@tvtfcu.org    View office hours
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You are here: Home » Our Services » Tobacco Valley Teachers Federal Credit Union Checking Account

Checking Accounts

Share Draft (Checking) Accounts

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!

myChoice Checking (Draft) Account
(ages 26 – 64)

myLife Checking (Draft) Account1
(ages 16 - 25)
Everything in myChoice Checking PLUS

  • .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)

myTime Checking (Draft) Account
(ages 65 and over)
Everything in myChoice Checking PLUS

  • 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.

1 *The myLife Checking (Draft) Account and Checks are for ages 16 and over. Members under the age of 18 must have a parent/guardian co-signer. Must be 18 and over to be eligible to receive the loan discounts.
2 A 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.

Payments of Overdrafts

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.

Order Checks

The credit union provides checks that you may purchase for a lower cost than from Harland Clarke and most other retailers. You may order one box (100 checks) at a time. 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. To place your order, contact a Member Service Representative at 860-253-4780 or 800-749-8305 or by email: msr@tvtfcu.org.

Visa ATM/Debit Cards

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.

Other financial institutions may charge you a fee when you use their ATM.

Find a FEE-FREE ATM near you that is part of the CO-OP Network that we partner with.

CO-OP ATM Network

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.


Foreign Debit Card Transactions: 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 in the use of online purchases from a merchant outside of the United States. Therefore, if you will be traveling outside the United States or will be making an online purchase from a foreign vendor, please contact us by calling 860-253-4780 or 800-749-8305 before your trip or purchase and we will activate your debit card for foreign transactions.

Another alternative to help reduce the risk of fraud is using our pre-paid Visa Gift Cards or another online payment option rather than using you debit card.


Verified by Visa: Our members can utilize Verified by Visa, a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction. Enroll your Visa ATM/debit card or Visa credit card in the Verified by Visa program for added protection.

Click here» for more information and to register for Verified by Visa.

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