Checking Accounts

Cash Reward Account


  • Earn 5% APY6 on balances up to $10,000.
  • Check your status each month in Online Banking to make sure you’re on track to earn. 

Monthly Requirements

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

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 or interest for the month.


Choose the Best Account for You

Choose the best checking account option for your banking needs. Cash Reward, Money Market, Free, Business and more!

Are you tired of reading the fine print on all those bank offers to see how you could earn $100, $200, or even $300 for opening a new account? Well, let’s skip the fine print and tricky requirements. TBA Credit Union can help you start saving and earning with our Cash Reward Account, Money Marketing Account, and Debit Card Round-Up Program forever- not just when you choose us for your new account.

Opened with a $15 deposit, a savings account establishes your membership with TBA Credit Union and allows access to additional products and services. Reward yourself with a TBA Credit Union checking account which includes the following benefits:

    • Free ATM/Debit card with access to over 30,000 surcharge-free ATMs nationwide.1
    • Free unlimited It’sMe247 Online Banking.
    • Free Mobile App with Remote Deposit Capture and Card Control.2
    • Free Mobile & Text Banking.3
    • Free Bill Pay with Pay Anyone.
    • Free e-Statements, e-Alerts, e-Notices.
    • Free notary service.
    • Free $2,000 accidental death insurance policy.4
    • Bonuses on share certificates (CDs) with direct deposit.5

Free Checking


      • No minimum balance.
      • No monthly service fee.

Money Market Account


      • Earn .25% on balances up to $2,499.
      • Earn .30% on balances up to $24,999.
      • Earn .35% on balances up to $99,999.
      • Earn .40% on balances $100,000 or greater.


      • Check writing capability.
      • Free debit card transactions.7
      • No monthly maintenance fees if requirements are maintained.


      • Maintain minimum balance of $2,500.


Cash Reward AccountRateAPY^
Money Market AccountRateAPY^
$1 - $2,4990.05%0.05%
$2,500 - $24,9990.25%0.25%
$25,000 -$99,9990.30%0.30%

^Annual Percentage Yield. Rates as of October 23, 2019. *Rate 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.

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.

Want to show your school spirit and help raise funds for your school? For each box of Spirit Checks ordered with your school’s logo, TBACU will donate $2* to your school.

*Restrictions may apply. Ask a TBACU Representative for details. 

Fee Schedule

Have questions about our accounts?

We’re here to help! Please call or text our Service Center team at 231.946.7090 M-F, 8 am to 6 pm, or stop into a branch.

1Debit transactions are free when card is used at a CO-OP Network ATM  or processed at retail outlets as a credit card. 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. 2Standard data rates apply. 3Standard text messaging rates apply. 4Age restrictions apply. 5Excludes specials.  6Annual Percentage Yield. Rate as of 7/1/19, 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. 7A $1 fee will be charged for use of ATMs outside CO-OP ATM Network.