Checking Accounts

Cash Reward AccountMan helping a young boy play with bubbles in a school

Start earning rewards for being smart with your money. Complete the 4 requirements each month and earn cash back on your balances with TBACU.What happens if you don’t make the requirements? You won’t be charged any penalty fee’s from us! You simply will not earn the cash back for the month. But don’t worry, you will still be able to enjoy the following benefits: 

Monthly Requirements

You can check your status each month in ItsMe247 Online Banking to make sure you are on track to earn.

  • Minimum of 25 debit card transactions.
  • 4 online or mobile banking logins.
  • Deposits totaling $1,000 or more through direct deposit or Remote Deposit Capture (RDC).
  • e-Statement enrollment.


Free Checking Account

Open Your Free Checking Account with Ease!  If you’re already enjoying the benefits of a TBACU Savings Account, opening your Free Checking Account is easy. Simply log in to online banking or our mobile app to get started. It’s quick, easy, and hassle-free.

Say goodbye to hidden fees and enjoy a world of benefits with our Free Checking Account:

Money Market Account

Make the most of your money with higher earnings. With a Money Market Account, the more money you save, the more you earn. This account is free when the daily minimum balance of $2,500 is maintained.

It’s not just the higher earning rates. Check out the other benefits you will enjoy:

View Money Market Rates

Direct Deposit

Are you receiving a Social Security check or does your employer offer direct deposit? Enjoy the convenience of having your check deposited electronically into your TBACU account, it could allow faster access to your funds! Please contact our Service Center at 231.946.7090 to get started.

Helpful Tip: Use our e-Alerts feature to help manage your account balances. Click the button below to watch a how-to video and learn more about e-Notices and e-alerts.

How-To Videos

Order Checks

Reorder Checks

Contact our Service Center at 231.946.7090 with any questions or concerns.

Fee Schedule

Have questions about our accounts?

Click on the button below to schedule an appointment or you can call or text our local Service Center at 231.946.7090 M-F, 9:00 am to 5:00 pm, or stop into a branch.

Checking Accounts - Schedule an Appointment Today!

1Rate subject to change. Interest not paid on balances over $10,000. No minimum balance or opening deposit required. Some requirements apply, if requirements are not met there are no penalty fees.2 Debit transactions are free when card is used at a CO-OP Network ATM. TBA will charge a $1 fee to use all other non-CO-OP Network ATMs, and you may be charged a fee by the ATM owner.  Applications for ATM/Debit cards are subject to approval. 3Restrictions may apply. Ask a TBACU Representative for details.