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  • Checking Accounts

    Checking Comparison
      Basic Checking Interest Checking    
    Earns Dividends No Yes    
    Annual Percentage Yield N/A 0.05%    
    Minimum Balance Requirement No $1500    
    Monthly Minimum Balance Fee No $6    
    Fee Waivers N/A Monthly fee waived with:
    >  Monthly direct deposit into checking*, or
    >  $2500 daily balance in Insured Investment Savings, or
    Preferred Plus or Premier level relationship
       
    Direct Deposit Requirement No No    
    *Minimum direct deposit of $600.00 per deposit.
    Dividends are calculated and paid monthly. Annual Percentage Yield is accurate as of August 2011. Rates are subject to change without notice. $100.00 is the minimum balance to open account.  $0.01 is the minimum balance to maintain account.  $0.01 is the minimum balance to earn dividends on Interest Checking and fees may reduce earnings. 

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    When it comes to checking accounts, Tech CU has two options: Basic and Interest Checking. Both accounts provide the benefits listed below. And, if you set up a monthly direct deposit, we’ll waive the $6.00 Average Balance fee on our Interest Checking account. 

    • Direct Deposit—No need to run to the branch or ATM to make a deposit. Get immediate access to your funds and eliminate the risk of a lost or stolen paycheck.
    • Online Banking—View accounts easily from your home or office computer, 24/7 — includes eNotifications, eStatements and Bill Pay.    
    • Mobile Banking—Enjoy the convenience of Mobile Banking. All you need to start using Mobile Deposit is to enroll in Online Banking. Register for Mobile Banking today.

      –   Check account information or pay bills quickly and easily through your smartphone

      –   Deposit a check without leaving your house — 24 hours a day, 7 days a week

      –   Use Send Money Powered by PayPal and transfer money to just about anyone using either an
         email address or cell phone number  
    • More surcharge-free ATMs—Access to more than 75,000 surcharge-free ATMs nationwide.  
    • Visa® CheckCard--The Tech CU Visa® CheckCard makes your purchases safe and easy.  

    Explore our Relationship Rewards for even more benefits.  

    If you’re interested in opening up an account for a child, Tech CU also offers California Uniform Transfers to Minors Act (CUTMA) accounts which are set up by an adult on behalf of a minor. We also offer a Student Banking Click Checking Account. It’s a great way to teach children about saving and money management. When your child turns 18, it is your responsibility to transfer the CUTMA funds back to the beneficiary.

    For more information on a CUTMA account, please speak with a Tech CU representative.