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Originally founded in 1931 as Teachers Credit Union by a group of teachers in South Bend, TCU has 57 locations and more than 300,000 members across Indiana and Michigan, making us one of the region's largest credit unions. We offer a range of traditional banking services, plus investments and insurance for individuals and businesses alike.
While banking is important, we think impacting the community is important too. That’s why TCU gives back to the communities we are a part of each year. We know that by building stronger communities, we will ensure better places to live, work and raise a family.
Our pledge is to continue providing an exceptional banking experience. You’ll enjoy banking at the same locations with the same friendly team. We look forward to getting to know you!
If you haven’t banked with a credit union before, you’re going to love it! For starters, you're more than a customer: You're a member. We think you'll find that membership has its benefits, from generous rewards programs to big investments in online and mobile technology.
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Sign up for online and mobile banking to get ready for the transition on June 8
All three NBSB branches will remain open and their hours will not change. Additionally, you will be able to reach TCU’s member call center at (800) 552-4745 from 7 a.m. to 10 p.m. EST M-F and Saturday and Sunday from 8 a.m. – 5 p.m. EST
The lobbies for all 3 locations are open for regular business. If you prefer to schedule an appointment, or if you have a need that requires more attention, you can also book an appointment using our online scheduling tool.
You will be provided with a membership number as well as new account numbers for all your accounts and loans. You may have more than one membership based on the ownership of your NBSB accounts.
You may have more than one membership based on the ownership of your accounts. Memberships are created with one primary member and other members (typically a spouse or other family member) added as a secondary member. As an example, if a secondary member of a membership opens additional products or services under only their name, a new membership would be added with this person as the primary member.
Please Note: your accounts under other memberships can be linked to your primary membership in Online Banking. For assistance, please visit a branch or reach out to TCU Member Services
You have been provided with a TCU membership number as well as new account numbers for all your accounts and loans. Your TCU member number identifies you as a member in our system. The accounts you have ownership of will have their own unique numbers and are identified under your membership.
Another way to explain this is that your membership is like a house and the accounts are like rooms inside the house. Each account/room can have different permissions/ownerships to allow access.
A primary share account is a savings account that is required by all members of a credit union. If you have a statement savings account with NBSB, it will automatically transition to a primary share with TCU. If you do not, you will need to complete the application for membership and one will be opened for you. A $5 minimum balance is required to maintain your membership. TCU will be funding the $5 on your behalf. In this case, a signature card and instructions will be included with your new member letter.
Yes, all checking account holders will receive a free order of TCU checks prior to the transition date. The checks will include TCU’s routing number and your new account/ACH number. You may continue to use your NBSB checks until June 5 and start using your new TCU checks on June 6.
If the checks you received have your name, address or account information listed incorrectly, or if you received the wrong type of checks (individual style rather than business checks), please visit a branch or contact TCU Member Services at (800) 552-4745.
Yes, they will transition into a Choice Savings Account which provides more flexibility. You can change the account name to reflect your savings goal. There is no minimum balance requirement or early withdrawal fee. Plus, online banking offers many options for scheduling automatic transfers when you are ready for the funds.
Yes, your debit card number will change. You will receive a new TCU debit card prior to the transition date. You may continue to use your NBSB debit cards until June 5, at which time you should destroy your old card. Start using your new TCU debit card on June 6. If you have scheduled any recurring automatic payments with businesses or retailers, be sure to update your card information.
Your recurring and future dated transfers and bill payment items will be transferred to your TCU Online Banking account as long as the payees were added by May 28. Payees added after May 28 will need to be entered again. See "More About Online Bill Pay" below for more information.
To receive statements and notices by email, you will need to enroll in TCU eStatements. Log in to Online Banking and select
Settings and then eDocuments from the menu.
TCU follows the Federal Reserve guideline for Regulation D, which limits the number of electronic transfers that can be made from a savings or money market account. Six electronic transfers are allowed each month with a fee assessed for additional transfers. Any transactions performed in person, at an ATM or through the US Mail do NOT count toward the 6 per month limit.*
* The Federal Reserve has temporarily suspended the limit on transfers due to the pandemic.
Yes, some TCU locations offer safe deposit boxes. Contact us at (800) 552-4745 for more information.
TCU is a member of the CO-OP shared branch network which lets you take care of your banking at more than 5,000 credit union branches nationwide. Additionally, you can access more than 700 no-fee ATMS across Indiana and southwestern Michigan and more than 30,000 reduced-fee ATMs nationwide. To find locations near you, visit our locations page.
TCU Member Services is available at (800) 552-4745 from 7am to 10pm EST M-F and Saturday and Sunday from 8 a.m. – 5 p.m. EST to assist you with any questions you have.
Yes, if you are enrolled in eStatements and Notices you will receive an electronic notice and you will also receive a mailed copy. If you are not enrolled in eStatements/notices you will receive a mailed copy.
TCU is Paperless! At our branches, we utilize your member number for all transactions. No paper is necessary!
If you had direct deposit set up for your paycheck or other deposits, they will automatically be rerouted to your new TCU accounts. ACH payments will be rerouted as well. If you had scheduled any recurring automatic payments with businesses or retailers using your NBSB debit card number, you will need to update your card information with the business or retailer.
Download TCU’s Mobile App or visit tcunet.com and click LOGIN. You can use your current user ID and will need to create a new password. Please note that there is only one ID and Password for each online banking account.
To set up your online banking, a secure access code will be delivered to you through your selected preference of phone, email or text. Once you receive the code, you will be prompted to enter the code. After the code is entered you will be asked if you would like to register this device. If you select yes, you should not have to repeat this step each time you log in.
You will see all accounts listed under a membership. If you have more than one membership, you will have separate Online
Banking accounts for each membership.
Online Banking users can initiate transfers from any TCU membership to another TCU membership using the Member to Member transfer option located under ‘Transfers and Payments’ in Online Banking.
Follow these simple steps:
Transaction history in online banking is available for 24 months.
TCU eStatements and enotices are available for 36 months.
Yes, simply log into Online Banking click Settings > Account Preferences.
Your information can be updated by clicking on Settings and Contact Information.
To set up alerts in Online Banking click on Settings and select Manage Alerts. We offer account, history, online transactions and security alerts.
Log into the TCU Mobile App and click Menu > Settings > eDeposit Enrollment. Once you are enrolled, select Deposit a Check from the main menu and follow the instructions. $200 is available the next business day, the remaining funds will be available in 2 business days.
Only the first automatic payment that was set up will transition, the additional ones will not.
External transfers are set up in Online Banking. Simply access Transfers and Payments and External Account Transfers and complete the set up instructions.
Our Bill Pay asks you to select the date to start the scheduled payment and the calendar view shows the deliver by date.
If a scheduled payment falls on a non-business day it will be process on the first prior business day.
The previous provider deactivated eBill’s and returned them to paper. To re-established please follow the steps in Bill Pay. Depending on timing you may or may not receive a paper bill in time for your next payment.
In some cases a closed funding account may have transitioned, you may delete the account.
Yes, to re-establish reminders please follow the steps in Bill Pay.
No, check memos will need to be re-entered in Bill Pay.
* TCU Members receive free use of AllianceOne and CO-OP ATMs within Indiana. A $2 foreign transaction fee applies to AllianceOne and CO-OP ATMs outside of the state.
Teachers Credit Union is not responsible for accuracy, security, content, or services offered by other websites; we encourage you to view privacy & security disclosures of all websites you visit as they may be different than those of Teachers Credit Union.
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.
Yes, I am.
Great! Click here to get started.
No, not yet.
No problem! Click here to become a member first.
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Developing a budget based on your monthly income, expenses and savings is the first step.
Even a small, regular contribution toward your retirement has the potential to grow into a large nest egg.
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.
Want to know more? Call or visit your local TCU service center or book an appointment when it's convenient for you.
No problem. Just email us at email@example.com or click the button below and we'll be glad to help.
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.
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:
✓ Visa Concierge†
✓ Visa Luxury Hotel Collection
✓ Travel emergency assistance
✓ Rental Car
✓ Extended warranty protection
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.
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.
Great! Click above to get started.
No problem! Click above and we'll take care of that as you apply for your card.