Account Name EZ Checking *W/Benefits   Vintage 55 *W/Benefits   Rewards Checking   Now Checking
Learn More More about EZ Checking   More about Vintage 55   More about >Rewards Checking   More about Now Checking
Min Dep $150 $150   $150 $150   $150   $1500
Interest No No   No No   Yes   Yes
Free Checks No Yes   Yes Yes   No   No
Mo Statement Yes Yes   Yes Yes   E Statement   Yes
Check Imaging No Yes   Yes Yes   No   Yes
Mobile Banking Yes Yes   Yes Yes   Yes   Yes
Bill Pay Yes Yes   Yes Yes   Yes   Yes
Online Banking Yes Yes   Yes Yes   Yes   Yes
Bounce Protection $400 $700   $400 $700   $400   $1000
Monthly S/C $3.00 $8.50   -0- $3.50   -0-   $10 if bal
fall below $1500


EZ Checking:


Teen Checking: (ages 13-17)

Teens may open this account as sole owner, with a signed indemnification agreement from an adult. Teen Checking accounts are full service checking accounts; however, the following limitations apply: No POD beneficiaries may be designated and no authorized signer is allowed.

** After turning 18, this account will automatically be converted to an EZ Checking account. If the customer wishes for the account to be converted to a different product he/she can contact the bank to change the type.

** Bounce Protection will be ineligible on Joint Accounts with a minor.


Vintage 55

This account was designed to honor our customers 55 years old or better. Get unlimited checking with lots of other great benefits!

All insurance products are not FDIC insured.


This interest checking account pays you 1.00% APY* each monthly qualification cycle with no monthly fees or minimum balance requirements. We even refund ATM fees nationwide up to $25.

  • 1.00% APY* on balances up to $25,000
  • 0.50% APY* on amount of balance over $25,000
  • 0.05% APY* if qualifications are not met each Rewards cycle
  • ATM fee refunds nationwide up to $25
  • Unlimited check writing
  • No monthly fee
  • No minimum balance
  • Available to personal accounts only (one per individual).
  • Check/ Debit Card
  • NetTeller Online Banking**
  • Bill Pay
  • E-Statements**
  • Mobile Banking
  • VoiceAccess Telephone Banking
  • $400 Bounce Protection
  • Direct Deposit available
  • FDIC insured up to $250,000
  • $150 deposit to open


To qualify for the Rewards, simply do the following each monthly qualification cycle:

  • Have at least 10 debit card purchases post and clear****
  • Have at least 1 automatic payment or direct deposit post and clear
  • Receive e-Statements***
  • Accounts not meeting the qualifications for three(3) consecutive statement cycles may be converted to an E-Z Checking account subject to a service charge.

If you don't qualify during a cycle, don't worry! You will still enjoy free checking and there's no penalty for not qualifying in a given monthly qualification cycle. Plus you get a base rate of 0.50%APY* and you get right back to making 1.00% APY* and enjoying ATM fee refunds the next cycle you qualify.


*Annual Percentage Yield (APY) accurate as of 11/25/2014. Rate tiers are as follows: 1.00% APY applies to balances of $.01 - $25,000 and 0.50% APY applies to balances over $25,000 if qualifications are met during the monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. All balances will earn 1.00% APY - 0.50% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings.

Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers do not count as qualifying transactions. ATM Fee reimbursements up to $25 provided only if qualifications are met within the monthly qualification cycle. Available to personal accounts only. No monthly service charge.

**You must maintain an active Net Teller ID to receive your statements electronically.
**** Transactions less than $3.00 each will not be considered for purposes of meeting your 10 debit/credit transactions, per Rewards cycle.

Now Checking

This interest earning checking account offers you unlimited checking privileges and pays Interest.

Take a look at our current interest rates.

TCSB Club Benefits

TCSB Club Benefits offer some amazing perks for you and your family. E-Z checking customers can enjoy these benefits for an additional $5.50 per month. For Vintage 55 customers, it is only $3.50 per month.

Additional Benefits include:

  • Cell Phone Insurance- This service will reimburse the enrolled accountholder for the damage to or theft of eligible Cellular Wireless Telephones up to $250.00 per claim. Coverage is subject to a fifty-dollar ($50.00) co-payment per claim and a maximum of two (2) claims per twelve (12) month period. The maximum benefit limit is $250.00 per claim and $500.00 per twelve (12) month period.  Other details are in the description of coverage.
    • Additional Features:
      • First 5 lines listed on cell phone bill covered
      • Must pay cellular phone bill with your account
      • Coverage will be shared on joint accounts
  • Roadside Assistance- Whenever you travel, you’ll like the secure feeling that you are protected by the Nation Safe Drivers Auto Club.  NSD provides real peace-of-mind with the best service and protection available anywhere.  24-hours a day and 7 days a week coverage includes towing up to 15 miles, roadside assistance, delivery of supplies, tire service, battery service, and lockout service. Accountholder and spouse are both covered on a joint account!  ** Nation Safe Drivers may operate in various states as Nation Motor Club, LLC or Nation Safe Drivers Services, Inc.
  • 20,000 Accidental Death & Dismemberment Ins Plus $1,500 Dependent Children- Coverage is provided immediately at no additional charge.  If joint account, total coverage is divided evenly. 
    • Additional Benefits:
      • Coma Benefit
      • Bereavement and Trauma Counseling Benefit
      • Emergency Medical Expense Guarantee Benefit
      • Rehabilitation Benefit
      • Repatriation of Remains Benefit
      • Seatbelt and Airbag Benefit
      • Travel Assistance Service
  • 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 advocate who is the single source of contact in helping you resolve your problem from start to finish.  You save time, avoid frustration and the problem gets corrected with the help of an expert.  For valuable information about ID theft updates, visit our website –
  • Bill Pay Prime: Pay your bills 24 hours a day, seven days a week
  • Monthly Statement/ Imaging – Receive images of your checks with your monthly statement
  • Personalized Checks – Personally imprinted checks at no additional charge
  • Official Checks- No charge

If you have questions, please do not hesitate to call us at 918-647-8101.