Checking

Carolinas Telco Federal Credit Union Checking Account and Rewards Checking Account
Checking-Icon-300x300

Standard Checking 

Features:

  • No minimum balance requirement (to avoid a service fee)
  • Debit card included
  • Over 30,000 surcharge-free ATMs nationwide through the CO-OP Network
  • Online / Mobile Banking access
  • Mobile check deposits
Rewards-CHecking-Icon-300x300

Rewards Checking

Features:

  • Debit card included
  • Over 30,000 surcharge-free ATMs nationwide through the CO-OP Network
  • Online / Mobile Banking access
  • Mobile check deposits
  • Rewards Checking Benefits
Rewards Checking Benefits
  • Higher dividends than Standard Checking
  • Receive ATM fee refunds of up to $25 per statement cycle
Qualifications

To qualify for Rewards Checking benefits, your account must meet the following requirements for each statement cycle:

  • Maintain a minimum average daily balance of $2,500 to avoid a service fee of $2.00 per month
  • Initiate one direct deposit or ACH auto debit, or pay at least one bill through Online Banking Bill Pay
  • Enroll in & receive eStatements
  • Make at least 12 Visa Debit Card merchant point-of-sale transactions during the qualification cycle

Checking Rates

Account Type Dividend Rate Annual Percentage yield (APY) Minimum opening deposit Minimum balance to avoid a service fee Minimum balance to earn the stated APY Account limitations
Checking0.05%0.05%$-$-$-N/ A
Rewards Checking (0-$15,000.00)2.50%2.53%$-$2,500.00$-N/ A
Rewards Checking ($15,000.01+)0.20%0.20%$-$2,500.00$-N/ A

How to Apply

1. Apply Online

2. Stop by your local CTFCU branch

3. Call us toll-free at 1-800-622-5305

Questions? Contact Us!

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