Checking Accounts
CHOICE CHECKING
No Monthly service fee
Initial minimum deposit - $150.00
You purchase checks of your choice - Duplicates recommended
No minimum balance
FREE - Monthly Statement (no images) With Images $2.00 Per Month
FREE - Unlimited Check Writing
FREE - Debit/ATM Card - Upon approval
FREE - VoiceAccess
FREE - NetTeller (Internet Banking)
PowerPay (Pay your bills 24 hrs a day, 7 days a week)- $3.00 mo fee
Bounce Protection - $400.00
ELITE "55+" CHECKING
Minimum age 55
Initial minimum deposit - $150.00
No monthly service fee
No minimum balance
FREE - Monthly Statement with images
FREE - Unlimited Check Writing
FREE - Debit/ATM Card - Upon approval
FREE - VoiceAccess
FREE - NetTeller (Internet Banking)
FREE - PowerPay (Pay your bills 24 hrs a day, 7 days a week)
FREE - Designated wallet checks
$20,000.00 Accidental Death and Dismemberment Insurance plus $1500.00 Dependant Children
Coverage is provided immediately at no additional charge. Coverage is reduced 50% at age 70. If joint account, total coverage is divided evenly.
Identity Theft 911 - If you become a victim of identity theft, call the toll free number and you will be assigned to a highly qualified personal advocated who is the single source of contact in helping you resolve your problem from start to finish. You save time and avoid frustration and the problem gets corrected with the help of an expert. For valuable information about ID theft updates visit our website - http://www.identitytheft911.org/home.htm.
PREMIER CHECKING
Monthly Service Fee - $10.00
Initial minimum deposit - $150.00
No minimum balance
Monthly Statement with images
No additional charge - Debit/ATM Card - Upon approval
No additional charge - NetTeller (Internet Banking)
No additional charge - VoiceAccess
No additional charge - PowerPay (Pay your bills 24 hrs a day, 7 days a week)
Financial Benefits
No Minimum Balance - Regardless of your balance you account will not receive any additional monthly service fee. You pay the same low $10.00 monthly fee.
Unlimited Check Writing - You may write as many checks as you want at no additional charge.
Personalized Checks - Our standard basic checks will be provided to you at no additional charge.
Traveler's Checks - There's no issue charge for traveler's checks.
Money Order/Official Checks - Discounted to $.50 each.
Safe Deposit Box - You will receive a one time $5.00 credit toward a Safe Deposit Box rental.
IRA - Initial one time set up fee will be waived for an IRA account.
Security Benefits
$20,000.00 Accidental Death and Dismemberment Insurance plus $1500.00 Dependant Children
Coverage is provided immediately at no additional charge. Coverage is reduced 50% at age 70. If joint account, total coverage is divided evenly.
Identity Watch - Help protect what you value most - your identity. The Identity Watch program provides you with a copy of your credit report, ongoing credit file monitoring and comprehensive victim benefits. It's an easy way to protect you against one of the fastest growing crimes.
Identity Theft 911 - If you become a victim of identity theft, call the toll free number and you will be assigned to a highly qualified personal advocated who is the single source of contact in helping you resolve your problem from start to finish. You save time and avoid frustration and the problem gets corrected with the help of an expert. For valuable information about ID theft updates visit our website - http://www.identitytheft911.org/home.htm.
Living Family Journal - Create peace of mind from the convenience of your personal computer. Organize, record, and document personal, medical and financial information with your Living Family Journal. Ask the New Account Representative for more details.
Health Benefits
Prescription Drug Discount Card - This card is available through the PreScrip Program. You and your family will receive discounts on many of your prescriptions through local participating pharmacies.
Eyewear Discounts - As a member you and your family receive guaranteed lowest prices on eyewear at thousands of locations nationwide plus a 30-day satisfaction guarantee.
PREMIER PLATINUM CHECKING
Same as Premier Checking but applies to age 55 and older with a monthly service fee of $3.50.
TCSB BUSINESS CHECKING
Initial Deposit - $200.00
No additional charge - (Initial Card) Debit/ATM Card - Upon approval
No additional charge - NetTeller (Internet Banking)
No additional charge - VoiceAccess
No additional charge - PowerPay (Pay your bills 24 hrs a day, 7 days a week)
PIN Reissue - $5.00
Card Reissue - $5.00
Foreign ATM Transaction (each) - $1.00
If the balance falls below $2000.00 any day of the statement cycle a service charge of $10.00 will be imposed on your monthly statement. Debit items in excess of 30 per statement cycle will be $.25 per item charge. No charge for Statement with images.
TRUTH-IN-SAVINGS DISCLOSURE ON OUR INTEREST BEARING CHECKING ACCOUNTS
Compounding & Crediting:
Interest will be calculated daily and credited to your account monthly.
Balance Computation:
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Interest begins to accrue on the business day you deposit non-cash items.
There is no minimum balance required to earn interest. If you close your account before your statements cycles you do not receive any interest for that cycle. Your interest rate and annual percentage yield may change at any time based on market rate.
NOW ACCOUNT CHECKING:
Initial minimum deposit - $1500.00
Unlimited check writing
Statement with images
You purchase checks of your choice
There will be a $10.00 service charge if balance falls below $1500.00 within the statement cycle.
MONEY MARKET CHECKING:
Initial minimum deposit - $2500.00
Monthly Statement with images
There will be a $10.00 service charge if balance falls below $2500.00 within the statement cycle.
Transfers to another account or to third parties by preauthorized, automatic, or by telephone are limited to six(6) per statement cycle, with no more than three(3) by check, draft, or similar order to third parties.