Services

Checking Services

Share Draft Checking Account

Enjoy a checking account that offers you the convenience that you long for, with easier way to manage your finances. Our checking account have the following benefits:

  • No minimum balance required
  • No monthly service fee
  • No membership fee
  • No transaction fee
  • Visa Debit Cards
  • Official Checks
  • 24/7 online banking access
  • 24/7 online bill pay

ABA/Routing Number     253184825

Direct Deposit

Our goal is to make banking easy for you. Allow us to help you set up direct deposit through your employer for quick access to your money. No more worrying about making it by the credit union in time to deposit your payroll check. This also makes for an easy way to repay loans by having it set up to automatically be withdrawn from your TCP Credit Union share draft checking account or your master share savings account.

Visa Debit Card

No more writing checks when you are able to pay with your debit card. A debit card allows the member to access funds, make purchases and make payments electronically based on funds deposited in the share draft checking account.  A checking account is required for members to obtain a Debit Card.

ATM

When you obtain a Visa debit card you also have the ability to withdraw funds from your checking account when you are in need of cash at any Cash Points ATM or Allpoints ATM without a fee. To use an ATM you must have a PIN for access.  PIN (personal identification number) is a personal number set for the member who has a debit card that helps identify the member when cash is being withdrew or a purchase is being made.

Click the link to find the Allpoints and Cashpoints ATM’s nearest to you!

Online Bill Pay

Pay your bills online with just a few clicks.  It’s safe, secure and easy with our Online Bill Pay service 24 hours a day, 7 days a week, right from your credit union share draft checking account.  Online Bill Pay is FREE to members enrolled with our E-Branching service.

Free E-Statements

View your account statements online and print them whenever you want.  E-Statements get to you faster than the mail and it’s safe and secure.  

Overdraft Protection

Checking account mistakes can happen to anyone, but there is a way to avoid over drafting your Checking account. TCP Credit Union offers an overdraft protection program that will automatically transfer funds from your Regular Master Share account to prevent an overdraft from occurring in your Checking account. Please see a staff member at TCP to enroll. 

Savings Services

Master Share Savings Account

All member are required to open a master share account. This account helps build the relationship between the credit union and the member. This account is opened with a $25 deposit that has to stay in the account for the life of the account. We want to help you save money and a Master Share Account is a great way to start.

Christmas Club

A Christmas club is an account that can be opened to help save for extra expenses that occur during the Christmas season while earning dividends. To be eligible for the current year the account must be opened by July 31st. Early in November the members enrolled will receive a check for the amount in the Christmas Club Account just in time for Christmas.  Why try to come up with the money for Christmas in a couple of months when you can put away money each month throughout the entire year?

Miscellaneous Savings Account

The Miscellaneous Savings Account is setup to meet your specific needs and can be used for anything from a vacation fund to paying your taxes.  By setting up a Miscellaneous Savings Account your funds are kept separate from you Master Share Account and still earn dividends.

Certificate of Deposit

A savings account that guarantees you a return on your savings in exchange for a short term commitment. Money put into a CD is left for a specific amount of time earning a higher interest rate. CD’s are opened with a minimum deposit of $250.

Individual Retirement Account

Have you started to prepare for life after work? We are here to help! Let us assist you in planning for the future by opening a new IRA or rollover your 401K from a previous employer.

Federal Insurance

Each member’s account is federally insured up to at least $250,000 by the National Credit Union Administration, a U.S. government agency.  Additionally, IRAs are separately insured up to $250,000.

Kids Accounts

KIDS S.A.I.L (SAVE AS I LEARN) SAVINGS ACCOUNT

TCP Credit Union would like to partner with parents in an effort to help children learn the importance of saving money. TCP Credit Union offers the KID SAIL share account.

 

Features

  • For children up to age 13
  • To open an account, the child and a parent, grandparent or guardian should visit TCP Credit Union
  • Must be joint with a parent, grandparent or guardian
  • $25.00 minimum opening deposit
  • The KID S.A.I.L. Share account current interest rate is 0.25%
  • Interest compounded daily and paid quarterly
  • Receive a TCP Credit Union Kid S.A.I.L. Piggy Bank to encourage saving

 

Kid S.A.I.L. savings account is a great way for family members to make contributions throughout the year as a birthday or milestone gift.

GR8 SAVERS SAVINGS ACCOUNT

TCP Credit Union would like to partner with parents in an effort to continue helping youth learn the importance of saving, budgeting and managing money. TCP Credit Union offers members ages 14 -19 the convenience of participating in the GR8 SAVERS share account. In providing youth accounts, parents can teach their son or daughter about their credit union account by helping them make deposits, withdrawal money and look up their account information using tcpcu.org online banking. The goal is to establish the path for a successful financial future.

 

Features

  • For children age 14 to 19
  • To open an account, the youth and a parent, grandparent or guardian should visit TCP Credit Union
  • Must be joint with a parent, grandparent or guardian
  • $25.00 minimum opening deposit
  • The GR8 SAVERS Share account current interest rate is 0.25%
  • Interest compounded daily and paid quarterly
  • Checking Accounts with VISA Debit Card available
  • Eligible students (High School Seniors) may apply for academic scholarships

 

GR8 SAVERS share account is a great way for family members to make contributions throughout the year as a birthday or milestone gift.

Other Services

Notary

At TCP Credit Union we strive to provide the best service possible by exceeding your expectations. We offer notary services for our members free of charge and are guaranteed to have at least one notary at our office during business hours at all times.

Official Checks

We provide official checks to our members at a low cost or no cost. Our fee for an official check is $1 per check for amounts less than $500 and no fee is charge for checks $500 and over. 

Wire Transfers

We also offer wire transfers for fast movement of money to anyone around the world. This is a more secure option for any large amounts of money.  For any incoming wire to your TCP account there is a $5 fee and for a outgoing wire there is a $10 fee.

Funds Availability

General Policy

TCP CU’s policy is to make funds from your deposits available on the same business day a deposit is received. At that time funds can be withdrawn and TCP CU will use the funds to pay checks that have been written and presented for payment. For TCP CU, business days are Monday through Friday, except for designated holidays. Deposits received by TCP CU before closing on a day that TCP CU is open are credited on that calendar date.

Longer Delays May Apply

In some cases, TCP CU may delay your ability to withdraw funds beyond the same business day of a deposit. In those cases we will advise you of the date your funds will be available for withdrawal. However, the first $200 of a deposit into a checking account (share draft) will be available on the same business day of deposit. In most instances you will be advised of a delay in funds availability at the time of deposit. However, if a deposit is not made directly to a TCP CU employee or if TCP CU decides to delay availability after you have left the premises, TCP CU will mail a notice by the end of the next business day after the deposit is received. TCP CU will delay funds up to the maximum schedule of funds availability as allowed by the Federal Reserve Bank’s Regulation CC for most checks. In addition to these schedules, funds deposited by check may be delayed for a longer period for special circumstances, such as (but not limited to):

  • account is less than 30 days old
  • TCP CU is unable to verify that a check will be paid
  • there are erasures/alterations or discrepancies on a check
  • check deposited was previously returned unpaid
  • the account has been overdrawn repeatedly in the last six months
  • checks deposited total more than $5,000
  • TCP CU is notified that a check previously deposited is being returned unpaid

there is an emergency such as failure of communications or computer equipment

Special Rules

Holds On Other Funds – Check Cashing: If TCP CU cashes a check drawn on another financial institution; the availability of an equal amount of funds already in any of your TCP CU accounts may be withheld. Those funds will be available at the time funds from the cashed check would have been available, if the check had been deposited. For example: If TCP CU cashes a $500 check for you, $500 of funds already in your account may not be available until up to the seventh business day after the day TCP CU cashed the check. A notice will be sent advising you of this hold by the next business day after the check is cashed.

Holds On Other Funds – Other Accounts: If TCP CU accepts for deposit a check drawn on another financial institution, TCP CU may make funds from the deposit available for withdrawal immediately but delay the availability of an equal amount of funds you have on deposit in another account with TCP CU. The funds in the other account would then be available for withdrawal at the time funds from the deposited check would have been available. A notice will be sent advising you of this hold by the next business day after TCP CU receives the deposit.