Checking by qingyunliuliu

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									Checking

TFCU Checking Options
For the greatest checking options available, you’ve come to the
right place! TFCU has a variety of checking accounts, and we are
confident that one of them will be just what you’re looking for.

Check Out These Checking Account Options:
Click Checking
Advantage Checking
Standard Checking
Student Checking
Heritage Club Checking
Free Checking

Read about these checking options and their different advantages
to find out which one is best for you. And, while you’re deciding,
keep in mind that all TFCU checking members get these great ben-
efits:
• free standard overdraft transfer protection
   (from your savings or line of credit)
• free Home Branch
   (Internet access to your TFCU accounts)
• free Command Center
   (telephone access to your TFCU accounts)
• free BillPay Online
• free e-Statements, e-Notices and check images
• no issue charge for travelers checks
• free notary service
• free signature guarantee (stocks)
• free self-service coin counters (for coin deposits
   up to $200)
• free credit/budget counseling
• monthly Money’s Worth newsletter
• monthly statements
• no surcharge fee at over 650 ATMs, including ATM Zone®
  machines, TransFund NC ATMs in seven states, and ATMs in
  Oklahoma 7-Eleven, QuikTrip® and Kum & Go locations

You won’t find a better checking account package anywhere. Take
a look at the options you have with us and take advantage of our
financial, security, travel and convenience advantages available to
you today.

Click Checking
Big Interest, Big Convenience, In a Click

You work hard for your money. That’s why a checking account that’s
online, easy, and automatically makes your money work hard for
you is just a click away. At TFCU, we’ve got the set-up you already
want. When you use Home Branch, BillPay Online, direct deposit,
e-Statements and your MoneyPlusTM Visa check card (you know,
the stuff you already love every day), then you can take advantage
of our Click Checking — where you can make the most of your “ev-
eryday” money by getting a high interest rate on your checking ac-
count balance. Here’s all you have to do each month to earn the
Click* rate:

• Use TFCU’s Home Branch (online access to your TFCU
  accounts) at www.tinkerfcu.org
• Pay at least one bill through TFCU’s BillPay Online
• Make a minimum of 10 MoneyPlus purchase transactions
• Sign up for e-Statements and e-Notices
• Use direct deposit or any automatic transfer

Click Checking also has these features:
• only $25 or direct deposit to open
• no monthly service charge
• no minimum balance
• first box of 100 checks free
• no transaction limits
• no per transaction charges
• no monthly or annual fee for MoneyPlus™ Visa check card
• no transaction fee from TFCU for making deposits, withdrawals or
  transfers
• no surcharge fee at TFCU ATMs, ATM Zone ATMs and
  TransFund NC ATMs

It’s your money. We make it easy to make it count.
Click Checking, a high-yield online checking account from TFCU.


*Meeting all the requirements listed above for using TFCU’s Elec-
tronic Suite each month earns you the highest interest rate we cur-
rently pay on any checking account, up to a maximum balance of
$30,000. Dividends on any balance over $30,000 will be paid at a
lower rate. If you don’t meet the criteria in a given month, your total
balance will earn a lower interest rate for that month. All rates at-
tached to this account, including the Click rate, are variable and
subject to change. For current information about rates on this and
all TFCU accounts, go to www.tinkerfcu.org, go by any branch or
call us. Locations and numbers are listed on the back of this bro-
chure.

Advantage Checking

If you’re looking for a checking account that has no minimum bal-
ance, a low monthly fee, great dividends and extras that can actu-
ally save you hundreds of dollars a year, Advantage Checking is
for you. These features should tell you why we call it Advantage
Checking:
• no minimum balance
• no minimum to open
• free club checks (two boxes per year)
• monthly dividends on average daily balance
• $6 monthly membership fee
• no transaction limits
• no per transaction charges
• no monthly or annual fee for MoneyPlus™ Visa
  check card
• no transaction fee from TFCU for making deposits, withdrawals or
  transfers at over 1,200 TransFund ATMs in Oklahoma
• no transaction fee or surcharge fee at TFCU ATMs, ATM Zone
  ATMs and TransFund NC ATMs
• no issue fee for official checks and money orders
• complimentary investment and insurance evaluation (provided by
  Specialized Investment Services)
• annual health fair

Wait, there’s even more! Check out the added benefits that really
make Advantage Checking hard to beat.

Advantage Checking Added Benefits
$10,000 Accidental Death Insurance
You’ll have peace of mind with $10,000 in Accidental Death Insur-
ance 24 hours a day.*
Medical Emergency ID Card
Health and personal information on the handy, plastic card gives a
quick reference to emergency personnel.
You can update the card every year.
ID Theft Insurance
Identity theft is the fastest-growing crime in America, and, for vic-
tims, it can be a time-consuming and costly job to restore their
name and good credit. ID Theft Insurance provides you with ex-
pert assistance and up to $2,500 in financial relief in the event your
identity is stolen.
ID Network® Safety Services
Register your child’s photo and description with the ID Network
Safety Service. You’ll receive a laminated ID card with your child’s
photo and description, and a special member number. Should the
need arise, call the toll-free number on the card, and the ID Net-
work will fax a photo and description of your child anywhere in the
country.
Savers Club® Book
Save 50 percent at over 3,000 participating lodging properties from
coast to coast. Plus, you’ll find discount offers from theme parks
and car rental companies.
Sojourns Magazine
Armchair adventurers and seasoned travelers alike will appreciate
Sojourns’ beautifully photographed articles and detailed information
on America’s most fascinating vacation destinations.
Online Local Savings
Save money at your favorite local merchants with thousands of on-
line discounts. Enjoy access to recreation savings, dining specials,
and savings on attractions, auto and home services, clothing and
other merchandise.

Standard Checking
•   no monthly service charge with $200 minimum balance
•   only $25 or direct deposit to open
•   monthly dividends on average daily balances of $1,000 or greater
•   $3 monthly service charge below $200 balance
•   no transaction limits
•   no per transaction charges
• no monthly or annual fee for MoneyPlus Visa check card
• no transaction fee from TFCU for making deposits, withdrawals or
  transfers at over 1,200 TransFund ATMs in Oklahoma
• no transaction fee or surcharge fee at TFCU ATMs, ATM Zone
  ATMs and TransFund NC ATMs

Student Checking
• for students 16-24 maintaining 12 or more credit hours or high
  school status
• no monthly service charge
• no minimum balance
• only $25 or direct deposit to open
• no transaction limits
• no per transaction charges
• free checking training
• no monthly or annual fee for MoneyPlus Visa check card
  (cardholders under 18 will receive an ATM card)
• no transaction fee from TFCU for making deposits, withdrawals or
  transfers at over 1,200 TransFund ATMs in Oklahoma
• no transaction fee or surcharge fee at TFCU ATMs, ATM Zone
  ATMs and TransFund NC ATMs

Heritage Club Checking
Designed especially for members age 55 and older, Heritage Club
offers a benefits package that is hard to beat:
• no monthly service charge
• no minimum balance
• no minimum to open
• free club checks (two boxes per year)
• monthly dividends on average daily balance
• no transaction limits
• no per transaction charges
• no monthly or annual fee for MoneyPlus Visa
  check card
• no transaction fee from TFCU for making deposits withdrawals or
  transfers at over 1,200 TransFund ATMs in Oklahoma
• no transaction fee or surcharge fee at TFCU ATMs, ATM Zone
  ATMS and TransFund NC ATMs
• no issue fee for official checks, money orders, gift checks,
  travelers checks or travelers checks for two
• no fee for wiring funds
• no fee for stop payment
• complimentary investment and insurance evaluation
  (provided by Specialized Investment Services)
• discounted safe deposit box, where available
• Heritage Style quarterly newsletter
• annual health fair

You’ll receive these added benefits described under
Advantage Checking:
• 24-Hour Accidental Death Insurance
• Medical Emergency Data Card
• ID Theft Insurance
• Savers Club® Book
• Sojourns Travel Magazine
• Online Local Savings

Only Heritage Club members receive these added benefits:

Heritage Club Added Benefits
Rx Advantage™ prescription drug program
You’ll receive preferred pricing on many of your prescription medi-
cations when you present your Rx Advantage card at participating
pharmacies nationwide. This program is not insurance.
Coast to Coast Vision Plan
Get immediate savings on exams, frames and lenses. And, get
immediate savings on laser vision correction surgery with a network
of participating board-certified surgeons, subject to limited state
availability.

Free Checking
• no monthly service charge
• no minimum balance
• only $25 or direct deposit to open
• no transaction limits
• no per transaction charges
• no monthly or annual fee for MoneyPlus Visa check card
• no transaction fee or surcharge fee from TFCU for making
  deposits, withdrawals or transfers at TFCU ATMs or
  ATM Zone ATMs
• minimum 75 cent transaction fee at non-TFCU ATMs,
  including TransFund NC ATMS, plus applicable surcharge fee

Federally Insured by NCUA

								
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