Why Join
We are committed to making sure members are on the financial path that works best for them and their situation.
Dip below zero, up to $100, with no overdraft fees!
Going negative is stressful enough—the last thing you need is an additional fee. Whether it’s an autopay that hit a day early or an emergency grocery run before payday, our $100 safety net is designed to bridge the gap, so you don't incur unnecessary overdraft fees.
Here's how to unlock this feature:
- Open a Free or Classic Checking account and add Courtesy Pay.
- Set up a qualifying direct deposit.*
- You're covered. It’s that simple.
Ready for a better checking experience?
Join TTCU today and enjoy flexible spending.
Built-in checking benefits for everyday life.
- Free online and mobile banking
- Free Bill Pay and eStatements
- A Visa® debit card that supports your favorite school
- LevelUp your savings by rounding up debit-card purchases
- Free ATM transactions
- Overdraft transfers available at no cost
*Qualifying Direct Deposit means the checking account has at least one payroll, retirement or social security deposit of at least $250 that is directly deposited into the Qualifying Account within the past sixty days of the overdraft transaction.
More information about Courtesy Pay and Overdraft Protection. Courtesy Pay applies when we pay transactions that exceed the available balance in your checking account. Courtesy Pay is available to members in good standing who are 18 years of age or older. A 60-day waiting period applies to new checking accounts. We do not pay overdrafts for ATM and everyday debit card transactions unless you have affirmatively consented to the service (Courtesy Pay Plus). A $24.00 fee may be imposed on each transaction submitted and paid that exceeds your available account balance. We do not charge a fee for a transaction if it creates a negative available balance of less than: $10; or $100, if you have a Qualifying Account and Qualifying Direct Deposit. Any negative balance must be repaid within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing. Please refer to the Membership and Account Agreement and the Courtesy Pay and Overdraft Transfer Protection Agreements at ttcu.com for full details.