TDECU Checking Accounts
Compare safe and secure checking account options
Earn 28x the national average
With Value Plus Checking from TDECU, you’ll earn up to 4.00%5 APY1 on your checking account balance. Ready to earn more? Open your account today!
Get the most from your checking account
Your checking account should offer more than day-to-day banking features – it should support your financial goals. With no monthly minimums6, surcharge-free ATMs and the option to earn up to 28x the national average on your account balances, TDECU is here to help you on your financial journey. Choose from our flexible checking account options, including value plus, high-yield, free, teen and business accounts. Looking for other ways to save or earn rewards? Check out our savings accounts and Mastercard® credit cards.
All TDECU Checking Accounts feature these benefits:
to
4.00%
Annual Percentage Yield (APY)
$06
Minimum Balance
55,000+
Surcharge-free ATMs Worldwide
Compare checking accounts
Checking account options that support your financial goals.
Value Plus CheckingNew
A premier account designed to optimize your financial potential.
$50.00
Opening Deposit
3.93%
Interest Rate
Up To 4.00%5
APY1
$8.006
Monthly Fee
High-Yield Checking
A checking account that yields 17x more than the national average2.
$1.00
Opening Deposit
2.47%
Interest Rate
Up To 2.50%2
APY1
$0.00
Monthly Fee
Free Checking4
A personal checking account that frees you of unnecessary fees4.
$1.00
Opening Deposit
0.02%
Interest Rate
0.02%
APY1
$0.00
Monthly Fee
Teen Checking
A checking account to help teens, ages 13-17, develop solid financial habits.
$1.00
Opening Deposit
0.02%
Interest Rate
0.02%
APY1
$0.00
Monthly Fee
Restart Checking
A checking account for those who need help rebuilding financial status.
$1.00
Opening Deposit
0.00%
Interest Rate
0.00%
APY1
$10.00
Monthly Fee
Features and Services for Checking Account Holders
In addition to no minimum balance requirements, TDECU checking accounts also include the following services and benefits:
Manage your money on the go
- Transfer money between accounts
- Deposit checks directly from your mobile device
- Pay bills
- Access your account statements from anywhere, at anytime
- Track spending and create budgets
- Create custom alerts to stay on top of your finances
Checking Account FAQs
What benefits do all TDECU Checking Accounts offer?
All TDECU Checking Accounts offer up to 2.50% Annual Percentage Yield (APY), a $0 minimum balance6, and access to over 55,000 surcharge-free ATMs worldwide.
What are the requirements for opening a Teen Checking account, and what does it offer?
The Teen Checking account is designed for teens ages 13-17, requiring only a $1.00 opening deposit, and offers a 0.10% interest rate and APY with no monthly fee, helping teens develop solid financial habits. Learn more about the Teen Checking account.
What is the Restart Checking account, and who is it for?
The Restart Checking account is tailored for individuals needing help to rebuild their financial status. It requires a $1.00 opening deposit and a $10.00 monthly fee. Learn more about the Restart Checking account.
How can TDECU Checking Account holders benefit from direct deposit?
TDECU Checking Account holders can benefit from direct deposit by receiving their paycheck up to 2 days before the scheduled payment date, offering faster access to funds and aiding in financial management.3
What features are included with TDECU checking accounts to monitor account activity and manage money?
TDECU checking accounts include Visa® Purchase Alerts for monitoring spending and detecting fraud, digital wallet for payments with your phone, and digital banking services for managing money, transferring funds, depositing checks, paying bills, accessing statements, tracking spending, creating budgets, and setting custom alerts.
How can TDECU account holders protect their accounts from overdrafts?
TDECU offers Courtesy Pay, a service that covers checks, debit card, or ACH transactions that would otherwise not clear due to insufficient funds, helping protect account holders from overdrafts.
What are the eligibility requirements and benefits of a High-Yield Checking account at TDECU?
To be eligible for a High-Yield Checking account, you must be at least 18 years old. Benefits include earning up to 2.50% APY on balances up to $20,000 and 0.25% on any balance over $20,000, a maximum rebate of $30 monthly on non-TDECU ATM fees, and having the opportunity to earn up to 1.00% APY on primary savings, with requirements such as enrollment in eDocuments, a recurring direct deposit of $500 or more per month, and a minimum of 10 debit card transactions per month to earn the highest APY.2
What documents are required to open a checking account?
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. You will need a valid government-issued photo ID (such as a Driver’s License or State ID) and information verifying your residential address if different from your ID (such as utility bill, insurance card, etc.). Uploading your Driver’s License or State-issued ID can help speed up the application process.
Does TDECU offer any options for business checking accounts?
Yes, TDECU provides options for business checking accounts tailored to meet the needs of businesses looking for reliable and beneficial banking solutions. Interested parties are encouraged to learn more about these options to find the best fit for their business needs. Click here to learn more about business checking accounts.
1APY = Annual Percentage Yield.
2Must be at least 18 years of age to open a High-Yield Checking (HYC) account with a limit of one account per Member. Requirements to earn the highest APY include enrollment in eDocuments, recurring direct deposit with an aggregated total of $500 or more per month that posts to your HYC account, and a minimum of 10 debit card point-of-sale withdrawal transactions of $1 or more per month. The highest APY includes 2.50% on HYC balance up through $20,000 and 0.25% on any HYC balance over $20,000; 1.00% APY on primary savings balance up through $50,000 and 0.25% APY on primary savings balance over $50,000. If requirements are unmet, accounts will earn an APY of 0.02% on HYC balances and 0.10% on primary savings balances. Account holders will receive a maximum rebate of $30 monthly on non-TDECU ATM fees. The 17x the national average earning rate is as of 4/10/24. Other terms/conditions apply. Rates are subject to change without notice. Contact TDECU for complete details. Insured by NCUA.
3Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date. Exceptions may apply.
4Free refers to no monthly maintenance fees. Subject to account and penalty fees. See fee schedule.
5Must be at least 18 years of age to open a Value Plus Checking (VPC) account with a limit of two accounts per member. The minimum opening deposit is $50.00. Highest APY includes 4.00% on VPC balances <$50,000.00 and 0.25% on VPC balances >$50,000.00. Account holders will receive a maximum monthly rebate of $30.00 on non-TDECU ATM fees. Rates are subject to change without notice. APY is as of 4/10/24. Other terms/conditions apply. Contact TDECU for complete details. Insured by NCUA.
6An $8.00 monthly maintenance fee applies to the Value Plus Checking account. To waive the monthly fee, you MUST maintain a minimum balance of $5,000.00 OR set up and maintain direct deposit of $1,000.00 or more.
New Forward Checking accounts are no longer offered. However, we invite you to check out our new Value Plus Checking account which offers higher rates and additional benefits! Members with High-Yield, Forward, or even Free Checking are encouraged to upgrade to a Value Plus Checking account. Should you have questions about upgrading or your existing account, please call us at (800) 839-1154.
For our High-Yield Checking accounts only, members qualify for Identity Theft Recovery Services; see the Member Handbook for additional information regarding this benefit.