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Checking Accounts

You are unique. You need choices. We can help. With checking accounts ranging from our "Regular" checking, to our "Student" checking, we have the options you're looking for.

Citizen’s E-Checking

$50.00 minimum opening deposit

 

Below are some of the benefits of our Citizens E-Checking Account:

  • Bank Statements must be received electronically
  • Free Online Banking
  • Free Bill Pay
  • No Minimum Balance Requirement
  • Unlimited Check Writing
  • Free VISA® Check Card

Premium Interest Checking

Minimum opening balance $1,500.00

 

Requirements to meet each statement cycle

  • 10 debit card transactions
  • 1 ACH debit or credit
  • Maintain a balance of $1,500.00
  • Free Online Banking
  • Free Bill Pay
  • Unlimited Check Writing
  • Free VISA® Check Card
  • Click here for current rates

Secure Checking

Click on the following link to get started: http://www.securechecking.com/

Secure Checking makes it simple to keep your family finances safer and take advantage of smart discounts on financial services and everyday purchases. Even better, all of these security and savings benefits are included in your account for a low monthly service fee of $7.00

Below are some of the benefits of our Secure Checking Accounts:

  • Free Checks (1 order per year)
  • No Fee on Cashier Checks/Money Orders (up to 6 per month)
  • Free Online Banking
  • Free Mobile Banking
  • Free Touchtone Teller
  • Free Debit/Check/ATM Card
  • Free Notary Service
  • Free Bill Pay
  • $100.00 Minimum Deposit to Open

Travel and Entertainment Discount Membership:

  • Money-saving discounts from thousands of local and national businesses. Members can redeem and print coupons online or access discounts from their smartphone. Digital Access makes saving super easy and convenient, giving instant savings anywhere, and anytime. (Registration and enrollment is required.)

 

Health Discount Savings (**This is not an insurance**)

  • Enjoy savings on vision, prescriptions and dental services. (Registration and activation required.)

 

Accidental Death & Dismemberment Insurance:

  • Receive up to $10,000 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70.)

 

Cellular Telephone Protection

  • Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. Subject to a $50.00 co-payment per claim and a maximum of 2 claims per 12 month period.

 

Identity Fraud Expense Reimbursement Coverage

  • Receive up to $10,000 to help pay expenses, clear your name and repair damaged credit, should you become the victim of identity fraud.

 

Comprehensive Identity Theft Resolution Services:

  • Should you suffer identity theft, your very own IDProtect fraud resolution specialist will help you every step of the way until your credit and identity are completely restored.

 

Debit and credit card registration

  • Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards – and your liability is limited – should your cards become lost or stolen. (Registration and activation required)

 

3-in-1 Credit File Monitoring

  • IDProtect will monitor your Equifax, Experian and TransUnion credit files daily, and automatically alert you if key changes occur. (Registration and activation required.)

 

3-in-1 Credit Report

  • Request a free, updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score. (Registration and activation required.)

 

Total Identity Monitoring:

  • Continuous monitoring of over 1,000 databases (Registration and activation required.)

Regular Checking

  • Minimum opening balance: $100.00
  • Unlimited check writing
  • Maintenance Fee based on balance
  • Citizens 62 and over, churches, and full-time students are free (Limited to two free accounts)
Daily BalanceDaily Balance Maintenance Fee

Daily Balance


$700.00 and over

Daily Balance Maintenance Fee


No Charge

Daily Balance


$600.00 - $699.99

Daily Balance Maintenance Fee


$3.00

Daily Balance


$500.00 - $599.99

Daily Balance Maintenance Fee


$4.00

Daily Balance


$400.00 - $499.99

Daily Balance Maintenance Fee


$5.00

Daily Balance


$300.00 - $399.99

Daily Balance Maintenance Fee


$6.00

Daily Balance


Under $300

Daily Balance Maintenance Fee


$7.00

Business Checking Accounts

  • Minimum opening balance: $100.00
  • Unlimited check writing
  • Maintenance Fee based on balance

Churches and civic groups are exempt from maintenance fees


NOW Checking Accounts

  • Minimum opening balance: $1,000.00
  • Interest is paid on minimum daily balance
  • If balance falls below $1,000.00 there is a $7.00 maintenance fee
  • Exception: Most Corporations cannot have NOW Accounts
  • Click here for current rates

Money Maker

  • Current rate of interest on minimum daily balance
  • Withdrawals over six per month $7.00 each
  • Balance falls below $2,500.00 minimum goes to NOW Account rate and service charges
  • Click here for current rates

Premium Money Maker

  • Minimum opening balance: $25,000.00
  • No fee with minimum daily balance of $25,000.00 or more
  • $10.00 fee for average monthly balance $0 – $24,999.99
  • Six transfers per month
  • Withdrawals over six per month $5.00 each, unlimited w/d or transfers to another account of yours at TCB may be made in person
  • Click here for current rates

Savings Accounts

Whether you are saving for a rainy day, college, vacation or even retirement, we have just the account for you.


Regular Savings

  • Minimum opening balance: $100.00
  • Interest paid quarterly
  • Quarterly interest statements
  • Maintenance fee waived for children 18 and under or still in school, and churches (Limit 2 Accounts)
  • If account is closed within 90 days of opening, $5.00 will be charged
  • Can combine statement with checking account statement
  • Click here for current rates