Compare Checking Accounts

Account Student Rewards Performance Advantage World Ultimate
$0 Monthly Fee Option*  
Minimum to Open $0 $25 $25 $25 $25
No Minimum Balance
Contactless Debit
Card Type
Platinum Platinum Platinum World Platinum
0.50% Debit Rebate
Foreign ATM Fees Waived 2/month   1/month 2/month 1/month
Loan Discount**​    
Mortgage Discount***    
ID Protect® Services & Cellular Phone Protection      
Earns Dividends      
.10% Money Market
Rate Bump


Debit Mastercard® Benefits

  • Zero Liability - You pay only for the purchases you have authorized on your Mastercard®, and you won't be held liable in the event of an unauthorized purchase.
  • Global Service - One call to Mastercard® Global Service provides unprecedented emergency customer service anytime, anywhere and in any language.
  • Airport ConciergeTM -  Provides enhanced travel benefits for Mastercard cardholders at more than 700 airports worldwide.
  • ID Theft ProtectionTM - If you're ever a victim, you'll have access to a variety of Identity Theft Resolution Services. World cardholders also receive concierge-level service from an Identity Restoration Specialist who'll work on your behalf.
  • ID Theft Alerts -  You're notified when your personal information is compromised online.
  • Satisfaction Guarantee - Up to 60 days of coverage when you are dissatisfied with a purchase and the store won't accept the return.
  • Extended Warranty - Doubles the original warranty on purchases (up to 12 months for Platinum and up to 24 months for World).
  • Purchase Assurance - Up to 90 days of free coverage on damaged or stolen purchases (World card only).

More Details

* Options to Reduce Monthly Account Fee:
Student Rewards Checking:
 The $2 monthly account fee is waived if your monthly statement is delivered as an eStatement. 
Performance Checking: The $2 monthly account fee is waived if: a) your monthly statement is delivered as an eStatement; b) you enroll in direct deposit; OR c) you have combined balances of $2,500 in deposits, loans and/or TCU Investment Services balances; OR c) you have at least 10 debit transactions per month.
Advantage Checking: The $7 monthly fee will be reduced to $5 if your monthly statement is delivered as an eStatement.
World Checking: The $10 monthly fee will be reduced to $8 if your monthly statement is delivered as an eStatement, and is waived entirely if your combined deposit, loan and, TCU Investment Services balances exceed $100,000.
Ultimate Checking: The $10 monthly fee will be waived when your register for eStatements and complete at least 15 TCU debit card (NON-ATM) transactions monthly equaling $5 or more.

** A .25% loan discount is available on direct, closed-end, consumer loans only (excludes loans signed at a dealership, real estate secured, lines of credit including credit cards, credit builder, student loan and commercial loans).
*** Mortgage origination fee discount of $100.