Checking For Young Adults

YOU + money

with TFCU Checking.

A young server woman smiling at the camera while working in a restaurant

Life, school, work - we make the money part easier.

Life, school, work–you aren’t defined by just one thing. You are making your own way. At TFCU, we make the money part easier. If you’re 16 years* or older you can open your own TFCU Click Checking account. Here’s what you need to know:

Get started with just $25 or set up a direct deposit with your paycheck to open your account.

  • No monthly or annual fee for the MoneyPlus™ debit card.
  • Instant issue debit card.
  • Receive money transfers from other TFCU account holders (like your parents).

For more details, please refer to our disclosure at the bottom of this page.

*Teens ages 13-15 are eligible to open a joint TFCU checking account with a parent or guardian.

Access your money - all of the ways.

Close up of someone holding a TFCU MoneyPlus card to a card reader to pay for something

The TFCU Difference

We’re local. But you can access our services anywhere in the world.

We’re not-for-profit. That means lower loan rates, higher dividends on savings accounts and fewer fees for our members.

We’re always looking for ways to give back. TFCU surprises members with more than $100,000 in “give backs” each year.

YOU + life with TFCU savings, loans and support.

From building your credit and getting your first loan or credit card, to saving for your future, our TFCU team is here to help get you on your path.

Daughter and mother working out outside

More perks from TFCU

  • Get a higher rate on your checking account balance with TFCU’s Click* rate.
  • Standard overdraft transfer (from your savings or line of credit).
  • No transaction fee**** at any ATM.
  • No surcharge***** at TFCU ATMs, ATMZone machines, Transfund NC ATMs or ATMs at any OnCue and QuikTrip in Oklahoma or at Oklahoma City metro area 7-Elevens.

Helpful mobile banking features.

Once you have your TFCU Checking for Young Adults account and mobile banking you can:

Icon of card on a smart phone

Deposit Checks*

quick and easy.

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Set up alerts*

like balance and transaction alerts.

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Use fingerprint or face ID*

to access your account.

Icon of a wallet

Set up a digital wallet

and pay with your phone.

Icon of a protected card

Link your checking

to Venmo, Cash App and other payment apps.

Icon of card on a smart phone

Deposit Checks*

quick and easy

Icon of quote on a smart phone

Set up alerts*

like balance and transaction alerts

Icon of a finger touching a shield

Use fingerprint or face ID*

to access your account

Icon of a wallet

Set up a digital wallet

and pay with your phone

Icon of a protected card

Link your checking

to Venmo, Cash App and other payment apps

* Requires online access to your TFCU account(s) through online and mobile banking.

*Meeting all of the criteria for using TFCU’s electronic services in any given month (log onto online and mobile banking, Pay minimum of one (1) bill using TFCU’s Bill Pay, minimum of ten (10) MoneyPlus purchase transactions**, sign up for eStatements and eNotices***, minimum of one (1) direct deposit or automated payment) earns you the Click rate for the month, up to a maximum balance of $50,000. Dividends on any balance over $50,000 will be paid at a lower rate. If you don’t meet the criteria in a given month, your total balance will earn a lower rate for that month. All rates attached to this account, including the Click rate, are variable and subject to change at any time, including after the account is opened. For current information about rates on this and all TFCU accounts, click here, go by any branch or call us. Only one Click Checking account per Taxpayer Identification Number (TIN) is allowed.
**MoneyPlus POS/Signature-based transactions that clear your account on the last calendar day of the month may not be counted towards the ten transactions required to earn the Click Checking dividends. Transactions can post to your account at any time, but ample time is needed for month-end processing to calculate and verify all requirements are met before dividends are paid.
***Enrollment for Electronic Statements/Notices must be completed no later than 2 business days prior to the end of the month.
****A transaction fee is a fee charged by TFCU when a member makes a withdrawal or transfer.
*****A surcharge is a fee charged by an ATM owner/operator other than TFCU. When you use a non-TFCU ATM, you may be charged a fee by the ATM owner. The ATM owner is required to provide a notice to you that a fee will be imposed, with the amount of the fee. Then, you may choose whether or not to complete the transaction.
A balance inquiry fee of 50 cents will be charged by TFCU at non-TFCU ATMs.

Checking for Young Adults

Get ready for what’s next – school, work, life.