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Checking Accounts

What is a Spend Account19

Unlock new possibilities with one of our most powerful financial tools, a Spend Account! A Spend Account is any share account with a debit card5 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!

Veteran with employee

LET YOUR MONEY WORK HARD FOR YOU
HIGH-YIELD CHECKING ACCOUNT1

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

  • Account balance $500.00 - $10,000.00
  • Online/Mobile Banking Login
  • 15+ Debit Card Transactions
  • Enrolled in Direct Deposit and eStatements14

Take your checking account to the next level. Get started with a low minimum balance and start earning the premium rate. Plus, you can quickly transfer funds anytime, and you earn daily dividends compounded each month.

BEST
CHECKING2

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

  • NO minimum balance
  • NO monthly fee (with eStatements)
  • FREE initial Credit Union checks2
  • and more!

MEMBER-MANAGED
CHECKING3

Invest in yourself with a Member-Managed Checking Account.

With this tiered money market account, the more you save, the more you earn! And it has a higher dividend rate than your regular checking account.

SENIOR
MEMBER PERKS4

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

  • FREE Basic Checks
  • Waived Fees on Cashier Checks & Money Orders
  • NO Paper Statement Fee
MOM AND SON EATING ICECREAM

PAYDAY! 
Get access to your money...faster!

Get paid up to two days early with Direct Deposit10Whenever possible, we post electronic deposits up to two days before the effective date!

It's the safest way to get paid and helps protect you from potential identity theft and fraud. Enrolling is easy. All you need is your account number and our routing number (264279567) to get started.

DIRECT DEPOSIT FORM         LEARN MORE

COURTESY PAY11

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 PROTECTION12

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

 

HOW TO WRITE A CHECK

Writing a check is easy! In our video, we go over:

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

CONTACTLESS CARDS

It's time to go Contactless. Look for the Contactless symbol on your Credit Union card and experience a convenient, touch-free way to pay. 

  • LOOK for the contactless symbol on any POS terminal.
  • TAP you contactless card over the symbol.
  • Once you're payment is confirmed, you are good to GO!

All debit and credit cards renewed by mail after March 1, 2021, will be contactless. The Visa® contactless card lets you tap to pay for a fast, easy, and secure way to checkout. 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

 
SPECIAL HOLIDAY HOURS