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⚠️TEXT MESSAGE SCAM ALERT

Please be aware of a fraudulent text message scam impersonating the Credit Union. KTVAECU® fraud text alerts come from a 5-digit shortcode, not a 10-digit phone number. If you are unsure, do not respond and call us at (865) 544-5400 or use our secure chat feature to confirm.

Checking Accounts

 

What is a Spend Account 1 ?

Unlock possibilities with one of our most powerful financial tools, a Spend Account! A Spend Account is any share account with a debit card 2 attached. It’s the best account to access the money you deposit.

Why a Spend Account? Spend Accounts make it way quicker and easier to:

  • Buy an afternoon pick-me-up
  • Keep up with your bills
  • Pay your landlord
  • Send money to your friends


Because the money’s right there on the card!

OPEN ACCOUNT

Veteran with employee

Have Your Money Work Harder For You
High-Yield Checking Account 3

Earn up to 3.50% APY* with the following monthly:

  • Account balance between $500.00 - $10,000.00
  • Online/Mobile Banking Login
  • 15+ Debit Card Transactions
  • Enrolled in Direct Deposit and eStatements 4

Take your checking account to the next level. Get started with a low minimum balance and start earning a premium dividend, compounded monthly.

OPEN AN ACCOUNT

Best Checking 5

If you're looking for a simple yet flexible spendng account, then this is the checking account for you.

  • NO minimum balance
  • NO monthly fee (with eStatements)
  • FREE initial Credit Union checks 6
  • and more!

Open Account

Member-Managed Checking 7

The more you save, the more you earn with a Member-Managed Checking Account.

Earn a competitive monthly dividend with this tiered money market account! Our Member-Managed account can be opened as a checking or savings account. Visit our savings rates to find how how much you earn at each tier.

Open Account

Senior Member Perks 8

If you're 55 years or older, get all the great features and benefits of Membership and more!

  • FREE Basic Checks 6
  • Waived Fees on Cashier Checks & Money Orders
  • NO Paper Statement Fee

MOM AND SON EATING ICECREAM

Ka-Ching!  Get paid up to 2 days early!

Direct Deposit 17 is the fastest  and easiest way to get access to your pay check. Whenever possible, we post electronic deposits up to two days before the effective date!

Direct deposit is also the safest way to get paid, and it helps protect you from potential identity theft and fraud. Enrolling is easy. To get started, all you need is your account number and our routing number (264279567).

DIRECT DEPOSIT FORM         LEARN MORE

Courtesy Pay 18

Courtesy Pay is an added protection to your account when unforeseen circumstances happen. It covers a shortage of funds on debit card purchases, point-of-sale (POS) transactions, ATM withdrawals, checks, and ACH transactions so your transaction can be processed. Courtesy Pay may cover insufficient funds transactions up to an approved limit for a $32.00 fee per presentment. Instead of returning a check to the merchant because of insufficient funds, the Credit Union may process your transaction, saving you additional charges from the merchant.

To have the benefit of courtesy pay applied to ATM/debit card transactions, you must opt-in.

COURTESY PAY OPT-IN

Overdraft Protection 19

If you have multiple accounts with the Credit Union, you may sign up to have funds automatically transferred to cover charges with no fee. Members can choose to use any savings account, money market account, or a Knoxville TVA Employees Credit Union Credit Card. If there are not sufficient funds in any of the accounts, the transaction will be declined. 

To add an account as overdraft protection:

Call (865) 544-5400
or TOLL-FREE (800) 467-5427

VISIT A BRANCH

 


Step-By-Step Guide: How to Write a Check

Writing a check is easy! Learn how to fill in each section of a written check. And some tips to ensure your check processes smoothly.

  • Which fields to fill in
  • How to authorize a check
  • Plus, many helpful tips

Debit Card

Contactless Cards

Contactless cards are a convenient, touch-free way to pay. The Visa® contactless card lets you tap to pay for a fast, easy, and secure way to checkout. Here's how it works!

  • LOOK for the contactless symbol on any POS terminal.
  • TAP you contactless card over the symbol.
  • Once you're payment is confirmed, you're DONE.

All debit and credit cards renewed by mail will be a contactless card. There is a $10.00 fee if you want to switch to a contactless card before your current card expires. Visit any branch and get a card new card instantly with Instant Issue.

CONTACTLESS CARDS

Disclosures

1 Federally Insured by NCUA. Available to qualifying Members. Some restrictions may apply. Ask for details.

2 Available to qualifying Members. Some restrictions may apply. Ask for details.

3 APY = Annual Percentage Yield. APY effective as of 07-08-25. Some restrictions may apply. Fees may reduce earnings. Ask for details. High-Yield Checking is a tiered-rate account. Monthly qualification cycle begins on the first day and ends on the last day of the calendar month. Terms and conditions may apply. Rate subject to change. PREMIUM RATE of 3.50% APY is earned on balances between $500.00 and $10,000.00 when the following monthly qualifications are posted and settled within the monthly qualification cycle: • Make 15 debit card transactions • Log in to online/mobile banking at least once • Receive eStatements • Have direct deposit NON-PREMIUM RATE of 0.00% APY is earned on balances of $499.99 or less. On balances over $10,000.00, 0.15% APY is earned or when premium qualifications are not met. When the account is closed, 0.15% APY applies for the month the account is closed.

4 Receive a paper statement in the mail for $2.00 per month or enroll in free eStatements (electronic statements). Members under the age of 18, Senior Member Accounts, and department SSI excluded. Ask for details.

5 Available to qualifying Members. Some restrictions may apply. Fees may apply. Ask for details. Must use eStatement for no-fee option. Members will receive initial checks for free. Business account do not qualify for free checks.

6 There is a charge for non-club checks. Available to qualifying Members. Some restrictions may apply. Fees may apply. Ask for details. Must use eStatement for no-fee option. Members will receive initial checks for free. Business Accounts do not qualify for free checks.

7 APY = Annual Percentage Yield. APY effective as of 07-08-25. Member-Managed Funds may be designated as a savings or checking account. No minimum balance required, but the minimum balance of $2,500.00 required to earn dividends. Member-Managed Checking Accounts offer unlimited transfers. Fees may reduce earnings. Limits on number of non-signature transactions may be imposed as required by regulation or Credit Union policy. Non-signature transactions may include those made over the phone, via online or telephone banking, or automatically by the Credit Union. No monthly fee if enrolled in eStatements or $2.00 per month for paper statements (if under the age of 18, Senior Member Accounts, and department SSI excluded). Ask for details. Available to qualifying Members. Some restrictions may apply. Fees may apply.

8 Some restrictions may apply. Qualifying Member must be 55 years or older, and have minimum account balance of $2,000.00 or active direct deposit. Account suffix must be coded in branch or via phone at Member's request. Ask for details.

9 Some restrictions may apply. Ask for details. Message and data rates may apply from your wireless carrier.

10 Available to qualifying Members. Some restrictions may apply. Message and data rates may apply. Ask for details.

11 Debit cards must be used as “CREDIT” to earn rewards. CREDIT transactions will not earn rewards when processed on a debit network; KTVAECU assumes no liability for transactions processed by the merchant on a debit network. The minimum uChoose Rewards points to redeem for business & consumer credit cards is 1,000 points; the minimum for consumer debit cards is 2,500 points. Not valid on KTVAECU business debit cards. Available to qualifying Members. Some restrictions may apply. Ask for details. uChoose Rewards is a registered trademark of Fiserv, Inc. Business debit cards do not qualify for uChoose Rewards points.

12 Available to qualifying Members. Some restrictions may apply. Ask for details. Message and data rates may apply from your wireless carrier.

13 Available to qualifying Members. Some restrictions may apply. Ask for details. Your account must be in good standing with the Credit Union. Funds must be available in the account at the time the order is placed. Cards will not be ordered if funds are not available. Fees apply. 

14 Some restrictions may apply. Message and data rates may apply. Not all wireless carriers support FTEU (Free To End User) texting. If your carrier does not support these texts or your mobile number is not on file, you will continue to receive phone calls if unusual activity occurs on your card. Ask for details.

15 Some restrictions may apply. Ask for details. Message and data rates may apply from your wireless carrier. Ask for details.

16 Allpoint, Co-Op Financial Services, and KTVAECU ATMs are surcharge-free for all Knoxville TVA Employees Credit Union cardholders. Your financial institution may impose a separate service fee on a transaction conducted at an ATM it doesn’t own. $1.00 cash advance fee on credit cards at foreign ATMs.

17 Early access to funds depends on timing of payer's submission of deposits. We generally post such deposits on the day they are received, which may be up to two days earlier than the payer's scheduled payment date. Some restrictions may apply. Ask for details.

18 Courtesy Pay transactions are paid at the Credit Union's discretion and must be repaid within 60 calendar days. An account may be paid into the negative if: 1) the account has been open for 30 days or more, 2) the account is not and will not be more than the determined Courtesy Pay amount in the negative after an item is paid, not including the fee, and 3) there are no loans currently past due for more than 10 days. Member can choose to opt-in or out either going into a branch, calling, or going to www.tvacreditunion.com. If the transaction is $32.00 or below, the courtesy pay fee will not apply. 

19 If, on any date, the available balance in your share or deposit accounts is not sufficient to pay the full amount of a check, draft, transaction, or other item, plus any applicable fee, that is posted to your account, we may return the item or pay it, as described below. The Credit Union's determination of an insufficient available account balance may be made at any time between presentation and the Credit Union's midnight deadline with only one review of the account required. We do not have to notify you if your account does not have a sufficient available balance in order to pay an item. Your account may be subject to a fee for each item regardless of whether we pay or return the item. We may charge a fee each time an item is submitted or resubmitted for payment; therefore, you may be assessed more than one fee as a result of a returned item and resubmission(s) of the returned item. If we offer standard overdraft services, this service allows us to authorize payment for the following types of transactions regardless of whether your share or deposit account has sufficient funds: (1) share drafts/checks and other transactions made using your checking account, except as otherwise described below; (2) automatic bill payments; (3) and ACH transactions. For ATM and one-time debit card transactions, you must affirmatively consent to such coverage. Without your consent, the Credit Union may not authorize and pay an ATM or one-time debit card transaction that will result in insufficient funds in your account. If you have established a service linking your share or deposit account with other individual or joint accounts, you authorize us to transfer funds from another account of yours to cover an insufficient item, including transfers from a share or deposit account, an overdraft line-of-credit account, or other accounts you designate. Services and fees for these transactions are shown in the document the Credit Union uses to capture your affirmative consent and the Fee Schedule. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay such items that result in an insufficiency of funds in your account, we do not agree to pay them in the future and may discontinue coverage at any time without notice. If we pay these items or impose a fee that results in insufficient funds in your account, you agree to pay the insufficient amount, including the fee assessed by us, in accordance with our standard overdraft services or any other service you may have authorized with us or, if you do not have such protections with us, in accordance with any overdraft payment policy we have, as applicable.

20 Consult with your tax advisor to determine your specific tax situation. Certificate withdrawal restrictions apply. Additional terms and conditions may apply. Must be age 18 or older to apply. A Certificate Account can be designated as an IRA Certificate or a Health Savings Account Certificate. All rates and offerings are subject to change. Fees may reduce earnings.