Checking (Share Draft)

With our CTFCU Stimulus Plan, we are refunding up to 5 NSF or Telco Overdraft Advantage fees. View the list of ways that we are providing assistance to our members.

Make the Switch to Rewards Checking

Checking Account Benefits

No minimum balance requirements

No monthly service fees

Visa® debit card

Overdraft protection plans available (see below)

How to Qualify for Rewards

View the Rewards Checking Disclosure here.

Earn up to 1.51% APY* with Reward Checking!

Dividends up to 1.51% APY* (first $15,000 on deposit)
Receive ATM refunds of up to $25 per statement cycle

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

Initiate one direct deposit, or ACH auto debit, or pay at least one bill through online Bill Pay
Enroll & receive E-statements
Make at least 12 Visa® Debit Card merchant point of sale transactions

Online Access

ATM Access

All Share Draft/Checking Account holders are allowed up to five free ATM transactions (withdrawals or deposits) on each share and checking account per month. This means you actually have up to 10, as that is 5 transactions on your Prime Share Savings Account and 5 on your Share Draft/Checking Account. Each additional foreign transaction will then be $0.75. Please note: you may also be subject to a user fee imposed by the financial institution/network that owns the ATM. But, if you are enrolled in Rewards Checking, and meet the requirements, you can have ATM Fee Refunds up to $25.00 each qualifying cycle that requirements are met.

Other Available Services for Checking Accounts

Direct Deposit
With Carolinas Telco Share Draft/Checking Accounts you can have Direct Deposit of paychecks directly from your employer to your account. Then, you can opt for payroll deduction to allocate a set portion of your paycheck to a savings account or a credit union loan payment.
Visa Check Card
We also offer the Visa Check Card, which allows you to access your Share Draft/Checking Account wherever you see the Visa symbol. Even better, it doubles as your ATM card for a quick and easy way to get cash from your Share Draft/Checking and Prime Share Savings Accounts at thousands of ATM's across the U.S.
Telco Bill Payer
Pay your bills online from your Checking Account through our NetBranch Online Banking.
Overdraft Protection

Have Confidence with Overdraft Protection

Have you ever had a situation where you are making a purchase with your Visa Check Card and suddenly realized the check you meant to deposit a few days earlier is still sitting in your wallet? You worry and wonder whether that purchase will go through. We can help ease your mind. At Carolinas Telco FCU, we provide overdraft services to cover checks, recurring drafts you forgot to record, or even one-time debit card transactions - saving embarassment and the extra hassles in your already busy day. We want to be sure you are aware of the overdraft protection options available to you to ensure your transactions are processed.

We can help you quickly and easily set up Overdraft Protection on your Share Draft/Checking Account(s). If you write a check not covered by your checking account funds, you have two options to protect your checking account from being overdrawn. You can either have your checking account linked to your regular share account for overdraft protection, or have funds automatically advanced from a revolving Telcheck Overdraft Loan.

Overdraft Protection Options

Order Your Checks

Check Options
Deluxe offers a range of options, from specialty checks to designer checks. The prices for checks vary with style and are subject to change without notice. When you order checks, the total price will reflect the current charges. If you customize checks, or request delivery other than standard, additional fees may apply.

To request first-time checks for a CTFCU account:

Order online through Deluxe
Mail in your request to your local branch
Email memberservice@ctelco.org
Visit your local branch

To reorder checks without changes for a current CTFCU account:

Order online through Deluxe
Mail in your request to your local branch
Email memberservice@ctelco.org
Visit your local branch

To reorder checks with changes for a current CTFCU account:

Mail in your request with a signature to your local branch
Email the signed request to memberservice@ctelco.org
Visit your local branch

Recently moved?
Contact us directly to order checks by returning your re-order form in your current box of checks or by sending in a written request with your signature. After we have placed your order with your updated address, the Deluxe check ordering site will have your most up-to-date address and information for your next order.

Note:
When you order, be sure to note the shipping options. For members 55 and over, only Standard Shipping is free. For all other members, only Standard Shipping is included in the base rate.

Premier Checks for Age 55+

Premier: Age 55 and over
Members age 55 and over can earn up to One (1) FREE box of basic checks per rolling calendar year on their personal accounts. Be sure to select the default option of Specialty Checks with no customization and select Standard Shipping. If you do not select standard shipping, you will incur costs for expedited express delivery. If you place an order for business checks, customize backgrounds, lettering, or enhance the checks, or request delivery other than standard, additional fees may apply.

If just turning 55 (and ordering your first box of checks), please contact us directly to place your first order.

How to Apply

Apply online, stop by any branch location, or call 1-800-622-5305 to sign up for a new checking account.

Savings Rates and Rewards Disclosures

APY = Annual Percentage Yield. The rates appearing here are accurate as of the effective date: August 3, 2020. If you have any questions or wish to request a Rate and Fee Sheet with terms and additional information, please call the Credit Union at 1-704-391-5600 or 1-800-622-5305. Rates are subject to change without notice. Fees may reduce the earnings on some accounts. All services, such as loans, credit cards and checking accounts, are subject to approval.

** Reward Rates - 1.51% APY (Annual Percentage Yield) is paid on balances between $0.00 to $15,000.00 and 0.10% APY is paid on all amounts of $15,000.01 and above, each cycle that the minimum qualifications are met. Up to $25.00 in ATM Fees will be refunded each cycle that qualifications are met. If you do not meet the qualifications per cycle, your account will still function as a free checking account earning Base Rate 0.10% APY; however, it will not receive ATM fee refunds for that time period. We may change the interest rate and APY at any time after the account is opened. No minimum balance required. No monthly service charge. The qualification cycle is approximately one month long, but begins on the last business day of the previous month and goes through the second to the last business day of the current month. Only one Rewards Checking Account may be opened per member, and any additional checking accounts will be opened as standard Share Draft Accounts.

With our CTFCU Stimulus Plan, we are refunding up to 5 NSF or Telco Overdraft Advantage fees. View the list of ways that we are providing assistance to our members.

Make the Switch to Rewards Checking

Checking Account Benefits

How to Qualify for Rewards

How to Apply

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