Checking Accounts to Fit Your Lifestyle

Our checking accounts are designed to help you wherever you are on your financial journey. Choose the one that best fits your needs.

Rates Open Your Account Order Checks

Included With All Our Checking Accounts

Access to Employee Early Pay*

Nationwide ATMs & Branches

24/7 Account Access

Convenient Card Control

Basic Checking

Basic Checking is the perfect account for your everyday needs

Unlimited check writing and debit transactions
No minimum balance requirement

On the Move Checking

This interest-bearing account is designed to put your money to work. This account is only available as part of a Packaged Account. Enjoy all the standard benefits plus:

Dividend earnings
No minimum balance requirement
No foreign ATM fees

Convenience Checking

Use our interest-bearing checking account as a secondary account option for special purposes. This account is only available as part of a Packaged Account, does not come with a Visa debit card but includes all the checking benefits plus:

Dividend earnings
No minimum balance requirement

Digital Wallet

There’s a safer and easier way to pay at the cash register. Simply add your Transportation FCU Visa® Debit or Credit card to Apple Pay^®, Samsung Pay^®, Fitbit Pay^®, Garmin Pay^® or Google Pay^®and experience next-level security and buying ease.

Available for iPhone and Android devices
Keeps your card number secure with every purchase

Add Digital Wallet Add Card Controls

Overdraft protection helps prevent the frustration of a declined purchase by acting as a safety net every time you buy something. If there’s not enough in your checking account, the funds will come from your overdraft account. Then, you just pay it back.

$500 minimum for Concorde and Premiere50 members based on qualifications
Credit line replenishes as you repay the loan

Apply Now

When there is more month than money, the Smart Choice Loan may be the solution to help. Borrow up to $1,000 with short flexible terms. Plus, gain great financial management to help you manage your finances for future scenarios.

Low, fixed rate
Financial counseling available
$20 non-refundable application fee*

To qualify, you just need to authorize a credit check, be 18 years of age or older, have direct deposit into your Transportation FCU account, and be a member in good standing for at least 90 days. That means you’re current on all of your loans at the credit union, and you don’t have more than three loans in any rolling six-month period.

Apply Now

*Smart Choice application fee is not refundable, and applies regardless of whether credit is extended.

We designed our packaged service accounts to fit your lifestyle and to reward your relationship with us. Qualified members receive loan discounts and price breaks based on their relationship with us.

Express Membership*

Any combined share savings deposit of $1,000 qualifies you to receive this long list of free and reduced-cost services. All savings, club, checking, money market, share certificate, and IRA account balances qualify.

You can avoid some service charges for normal financial transactions as an Express Account user. In fact, you could save money every month that you’re enrolled.

Free Foreign ATM transactions (A fee may be imposed by the owner of the ATM.)
Optional interest-bearing checking accounts
Pre-approved VISA credit card with no annual fee* (upon request)
No maintenance fee on Individual Retirement (IRA) accounts. Fees may reduce earnings

Concorde Membership**

Concorde members earn a higher level of free and reduced-cost service benefits each month. You simply maintain combined savings and/or loan balances of $10,000. All savings, club, checking, money market, share certificate, and IRA balances, as well as all consumer and mortgage loan balances (except Visa credit card) qualify toward the $10,000 minimum balance.

You could save money all year long as a Concorde member with these additional benefits. You automatically receive all Express benefits, plus the following:

Two free boxes of Transportation FCU design checks per year.
Pre-approved overdraft protection (upon your request)
Two free official checks per month made payable to a third party
Five free money orders per month.
Rate discount – 0.25% Annual Percentage Rate (APR) discount on regular rates for personal and vehicle loans

Premier50 Membership***

This account is exclusively for members age 50 and over. You have two options to qualify for Premiere50 benefits: either maintain combined savings and/or loan balances of $20,000 (except Visa credit card) or use direct deposit and maintain combined savings and/or loan balances of $15,000. Premiere50 provides Express and Concorde level benefits, plus even more savings.

One-time, paid AARP annual membership
Five free money orders per month
Two free official checks per month
Rate discount 0.50% Annual Percentage Rate (APR) discount on regular rates for personal and vehicle loans

Apply Now

*Fees may reduce earnings. Any month your combined deposit balance falls below the required $1,000 minimum, you pay a modest $7 maintenance fee for Express Account benefits. Based on creditworthiness. Some members may be approved for our secured VISA card.

**Fees may reduce earnings. Any month your combined deposit balance falls below the required $10,000 minimum, you pay a modest $10 maintenance fee for Concorde Account benefits. Based on creditworthiness. Some members may be approved for our secured VISA card.

***Fees may reduce earnings. Any month your combined deposit balance falls below the required $15,000 with direct deposit or $20,000 stand-alone minimum, you will pay a modest $15 maintenance fee for Premiere50 Account benefits. Based on creditworthiness. Some members may be approved for our secured VISA card.

I left the FAA more than 3 years ago but I will always maintain my Transportation FCU membership!

Open Your Account >

Order Checks >

Check Rates >

* On occasion, we may not receive information ahead of time from the ACH originator and may not be able to post your deposit early. In this case, your deposit will post on the scheduled posting day. TFCU isn’t responsible for NSF fees or penalties from transactions in advance of an anticipated early ACH credit posting.