TIC CHECKING
TIC is proud to offer a range of checking accounts designed with your needs in mind. We want to make checking easy for you, that’s why all of our checking accounts are completely FREE and come with great benefits like unlimited free check writing and Identity Theft 911 Resolution Services. Take a look at TIC Checking today and discover the checking account that fits your needs.
Smart Rate Checking

Earn 4.00% APY
High Yield Rate. High Touch Service.
(And it's Free.)
Some things just go together. But a lack of personal service and a high dividend rate shouldn’t be one. Smart Rate Checking combines the best we have to offer in personal service, with a dividend rate you usually find on an internet only site. So come by our dialogue branches today to experience the credit union difference. You’ll receive outstanding credit union service and a valuable checking account that earns you a great rate. And we think those things should definitely go together.
Check out the great benefits of Smart Rate Checking:
- 4.00% APY
- FREE!
- Unlimited Free Check Writing
- Free Online Banking and Bill Pay
- Free VISA Debit Card
- ScoreCard Rewards (Debit Card Reward Points)
- Occasional Overdraft Privilege Service (OOPS!) Certain restrictions may apply.
- No Minimum Balance Requirement
- Free Use of TIC ATMs
- Two (2) Free non-TIC ATM/POS Transactions per month
- Free Identity Theft 911 Resolution Services
- No Cost Financial Planning
- Free Notary Service and Coin Counting Service
- 24-hour toll-free account access from your telephone
- Worldwide Service Center Network (Access to over 3,000 Credit Union Service Centers)
- $300 Discount on Closing Costs on New TIC Mortgage
*APY=Annual Percentage Yield. 4.00% APY is accurate as of July 1, 2008 and is paid on balances to $5,000.00. Smart Rate Checking account holders receive two (2) free non-TIC ATM/POS transactions per month. The operator of the ATM may assess a fee for cash withdrawals and balance inquiries. Smart Rate Checking account holders must agree to receive statements electronically and have a direct deposit of at least $100.00 per month. If Smart Rate Checking account holders do not satisfy the monthly requirements, account will be converted to Rewards Checking. Rates subject to change without notice.
Switch to Smart Rate Checking today!
Free Rewards Checking
Another great checking account available to all TIC members is Free Rewards Checking. With Free Rewards Checking, you’ll receive the same benefits you’ve come to expect from TIC Federal Credit Union and a dividend rate that grows with your account balance.
Free Rewards Checking Account offers the following benefits:
- FREE!
- Unlimited Free Check Writing
- Free eBranch Online Banking and Bill Pay
- Free eStatements via eBranch
- Free VISA Debit Card
- ScoreCard Rewards (Debit Card Reward Points)
- Occasional Overdraft Privilege Service (OOPS!) Certain restrictions may apply.
- No Minimum Balance Requirement
- Free Use of TIC ATMs
- Free Identity Theft 911 Resolution Services
- No Cost Financial Planning
- Free Notary Service and Coin Counting Service
- Worldwide Service Center Network (Access to over 3,000 Credit Union Service Centers)
- 24-hour toll-free account access from your telephone
Switch to Free Rewards Checking today!
Next Generation Checking
For members age 18-24, we have a checking account designed for you.

With our Next Generation account, you have access to more than just a checking account with no monthly fee. Check out some of our great benefits:
- FREE
- TIC Debit Card
- No-cost eBranch account access
- Internet bill pay with unlimited transactions
- Free eStatements via eBranch
- No cost financial planning
- Two (2) Free non-TIC ATM/POS Transactions per month
- No cost notary service
- No cost educational seminars
- Identity Theft 911 Resolution Service
- Occasional Overdraft Privilege Service (OOPS!) Certain restrictions may apply.
- Worldwide Service Center Network (Access to over 3,000 Credit Union Service Centers)
*Next Generation Checking account holders must agree to receive statements electronically. Next Generation Checking account holders receive two (2) free non-TIC ATM/POS transactions per month. The operator of the ATM may assess a fee for cash withdrawals and balance inquiries
Switch to Next Generation Checking today!