Checking Accounts

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

Interested in opening a checking account? Please call, text, or email our local Service Center team or stop into one of our branches.

Free Checking

  • No minimum balance.
  • No monthly service fee.

VIP Checking

With a $2,500 minimum daily balance in checking, you will enjoy the following benefits:

  • No monthly service fee.
  • Tiered money market interest.

Business Checking

At TBA Credit Union, our attention to your business is personal. Here are some of the perks you will enjoy with our exceptional business checking accounts:

  • No minimum balance.
  • No monthly service fee.
  • No charge for items clearing the account or items that you deposit.

Need help getting started? Here is a list of required documents for opening a Business Checking Account.

  • Legal formation documents (Articles of Incorporation or Articles of Organization).
  • DBA documentation.
  • Board meeting minutes or by-laws defining who has the authorization to open a membership and transact business.
  • Tax ID number (EIN).
  • Name, address & telephone number for the entity and each authorized signer.
  • Identification & Social Security number for each authorized signer.

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.

Checking Rates

VIP CheckingRateAPY^
$1 - $2,4990.25%0.25%
$2,500 - $24,9990.30%0.30%
$25,000 -$99,9990.35%0.35%
Business CheckingRateAPY^
$100,000 - $999,9990.35%0.35%
$1,000,000 +0.18%0.18%
Non-Profit CheckingRateAPY^
$1 - $24,9990.15%0.15%
$25,000 - $99,9990.20%0.20%

^Annual Percentage Yield. Qualifications may apply. Rates subject to change without notice. Rates effective as of June 26, 2019.

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