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Checking

  • Open an Account

Our accounts make it easy to earn cash back.

Enjoy 24/7 access with Online, Mobile and Text Banking.

  • Debit Mastercard® that earns you cash back
  • Access to more than 700 no-fee ATMs across Indiana and 30,000-plus reduced-fee ATMs nationwide
  • Save effortlessly with Round-Up Savings
Ultimate Checking

Our highest rate on your checking balance.

Learn More
Performance Checking

Features four simple ways to waive the already low monthly account fee.

Learn More
Advantage Checking

An account with state-of-the-art identity protection services and benefits.

Learn More
World Checking

Security benefits, dividends on deposits and special discounts on loans are just a few features of this top-of-the-line account.

Learn More
Student Rewards Checking

No monthly account fee with eStatements plus cash rewards make this a smart choice.

Learn More
Compare Checking Accounts

See which account has the features and benefits that are best suited for you.

Switch Kit

Our comprehensive step-by-step guide to switch your checking, savings and banking.

Want to start enjoying the benefits of TCU checking? Become a member today!

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All TCU accounts are subject to membership requirements. See Products and Services Details for more information.

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Get In Touch

Contact

 

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Teachers Credit Union
P.O. Box 1395
South Bend, IN 46624-1395

 

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Member Call Center Hours
M-F 7:00 a.m. to 7:00 p.m. ET
SAT 8:00 a.m. to 1:00 p.m. ET

(800) 552-4745

 

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Book an Appointment

 

Contact

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Teachers Credit Union
P.O. Box 1395
South Bend, IN 46624-1395

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Member Call Center Hours
M-F 7:00 a.m. to 7:00 p.m. ET
SAT 8:00 a.m. to 1:00 p.m. ET

(800) 552-4745

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Book an Appointment

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Teachers Credit Union in Indiana and Michigan offers valuable banking solutions including checking accounts, savings accounts, mortgages, auto loans, home equity loans, HELOCs and much more. Bank online with our mobile app, or visit one of our conveniently located branches in Indiana, southwest Michigan and beyond.

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Are you a member?
Yes, I am.
Great! Click to log in to/enroll in Online Banking and open an additional account.
No, not yet.
No problem! It's easy to become a member. Simply click to get started!
Under 18? Here's how to open your Student Rewards Checking account.

If you're between the ages of 14 and 17, you and a parent/legal guardian can open your Student Rewards Checking by visiting your nearby TCU branch. Be sure you each bring two forms of valid ID. You can find a list of acceptable IDs here.

Are you a member?

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Great! Click here to get started.

No, not yet.

No problem! Click here to become a member first.

Are you a member?

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Are you a member?

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Savings Basics

🖶 Print/Download as a PDF

Basics on Savings

Developing a savings plan and putting it to work can help you reach your goals
and become financially secure. Here are simple steps to get started:

 

Create a Budget

Developing a budget based on your monthly income, expenses and savings is the first step.

  • Track your income and expenses to establish financial goals by reviewing your most recent monthly statements. Knowing how you spend your money can help you adjust or eliminate non-essential purchases.
  • Use the 50/30/20 budget—spending roughly 50 percent of your after-tax dollars on necessities, no more than 30 percent on “wants,” and at least 20 percent into savings or paying off debts.
  • TCU’s Budget Calculator can help you develop a roadmap to make your hard-earned income work for you.
  • Stick to your budget plan over time to help reduce debt, cut back on impulse purchases and increase savings for emergencies, large expenses and other financial goals.

 

Save Early for Retirement

Even a small, regular contribution toward your retirement has the potential to grow into a large nest egg.

  • Compound interest (earning interest on interest) over time has a tremendous impact on your long-term retirement savings. Automate the process. If your employer offers a 401(k) plan, take advantage of it, along with the pre-tax savings on your earnings.
  • Use a health savings account (HSA) to contribute. You can contribute pre-tax dollars, pay no taxes on earnings, and withdraw the money tax-free now or in retirement to pay for qualified medical expenses.

Build Your Savings

It is important to build up your savings to cover emergencies and to plan for your future. As a general rule, you should maintain enough savings to cover three to six months of your regular expenses.

  • Establish a separate savings account for each of your savings goals—contributing a certain amount each pay period. TCU makes it easy by offering Choice Savings accounts. You can open multiple savings accounts and give them names that represent your financial targets (like emergency, insurance or vacation) making it easy to see when you’re closing in on your goals.
  • Set up automatic transfers from your checking to each savings account each pay period to stay on track.
  • Use TCU’s Round-Up Savings to grow your savings automatically. Every time you make a purchase with your TCU Debit Mastercard®, the purchase amount is rounded up to the nearest dollar and the difference is transferred from your checking to your savings account. You will be surprised how a little change here and there adds up.

Want to know more? Call or visit your local TCU service center or book an appointment when it's convenient for you.

Not Sure?

No problem. Just email us at sbapaycheckprotection@tcunet.com or click the button below and we'll be glad to help.

EMAIL US

TCU Visa Platinum

Card Perks

An extra-low rate* makes TCU Visa Platinum the perfect card if you carry a balance each month or want to transfer a balance from a high-interest credit card. But the perks don't stop there:

✓ 1.99% APR for the first year*

✓ No annual fee

✓ No application fee

✓ Easy cash advances at ATMs

✓ No foreign country transaction fee

✓ Roadside Dispatch®

 

* Annual Percentage Rate (APR) range after introductory period is 7.25% - 17.25% based on your creditworthiness.

TCU Visa Signature Rewards

Every dollar of qualifying purchases earns 1.5 Rewards Points redeemable any time for cash back, merchandise, travel or gift cards. But that's just the beginning:

✓ No annual fee

✓ No application fee

✓ Easy cash advances at ATMs

✓ No foreign country transaction fee

✓ Roadside Dispatch®

✓ Visa Concierge†

✓ Visa Luxury Hotel Collection 

✓ Travel emergency assistance 

✓ Rental Car 

✓ Extended warranty protection 

Compare Cards

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Platinum

An extra-low rate makes TCU Visa Platinum the perfect card if you carry a balance each month or want to transfer a balance from a high-interest credit card.

✓ No annual fee

✓ No application fee

✓ Easy cash advances at ATMs

✓ No foreign country transaction fee

✓ Roadside Dispatch®

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Signature Rewards

With TCU Visa Signature Rewards, every dollar of qualifying purchases earns 1.5 Rewards Points redeemable any time for cash back, merchandise, travel or gift cards.

✓ No annual fee

✓ No application fee

✓ Easy cash advances at ATMs

✓ No foreign country transaction fee

✓ Roadside Dispatch®

✓ Visa Concierge†

✓ Visa Luxury Hotel Collection 

✓ Travel emergency assistance 

✓ Rental Car 

✓ Extended warranty protection 

Are you a member?

Yes, I am.

Great! Click above to get started.

No, not yet.

No problem! Click above and we'll take care of that as you apply for your card.