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YOU + TFCU
We’re thrilled to welcome you to the TFCU family! At TFCU, our goal is to make the money part easier for our members by offering great service, easy-to-use online and mobile banking and resources designed with your needs in mind.
We know change can be a big step, but our friendly team is here to guide you and answer any questions along the way. We’ve also provided FAQs pertaining to your personal and business accounts below for your convenience.
Thank you for trusting us with your membership — we look forward to getting to know you and serving you for years to come!
What’s changing with my online and mobile banking for my personal accounts?
For your personal accounts and services with TFCU, you’ll need to use new online and mobile platforms. You can find the app named Tinker FCU in the Apple or Google Play app store and look for the icon seen at the right. To log in for the first time, follow the steps below.
Your new desktop login for online banking will be found at TinkerFCU.org. Click the drop-down menu in the main navigation and select “Personal Login” to get started. Follow the steps above to log in and change your password.
*If you cannot find the email, your credentials are not accepted or need help resetting your audio PIN, contact us at 940-377-3299.
Are the names and numbers of my accounts changing?
Yes, when you log in to your new online and mobile banking, you’ll see your new account names or you can visit or contact a TFCU branch for assistance. The table below shows the former names of accounts and the corresponding TFCU account name that will be used moving forward.
Will there be downtime associated with this update?
Yes. Remote deposit capture on your current mobile banking will be disabled on October 30, 2025 at 4 p.m. central time. Your current online and mobile banking platforms will be unavailable starting at 5 p.m. central time on October 31, 2025. On November 2, you’ll receive details by email on how to transition to the new app and desktop login at TinkerFCU.org.
Are my debit card and credit card changing?
Yes. Please expect to receive a new debit card and/or credit card and details on how and when to activate them in the fourth quarter of 2025.
There will be no downtime for your LiFE FCU debit card, you can activate your new debit card when you receive it. For details about TFCU debit cards, visit: TinkerFCU.org/money-plus-card
Your LiFE FCU credit card will work until November 3, 2025 — at which time you’ll be able to activate your new TFCU credit card. For details about TFCU credit cards, visit: TinkerFCU.org/credit-card
Will I need to make changes to my ACH and draft transactions?
Yes, to help prevent disruptions, we strongly encourage you to update your ACH information as soon as you have your new account number. Please use ABA routing number 303085829 instead of 311980754, and the new 13-digit MICR account number found in your new online and mobile banking. If you need assistance finding your account numbers, please contact us at 940-377-3299.
Will I be able to conduct my in-person business at any TFCU branch?
Yes. There are two TFCU branches in your area, located at 3351 Unicorn Lake Blvd. in Denton, Texas and 8800 US Highway 380, suite 200 in Cross Roads, Texas.
For a full list of TFCU branches and CO-OP shared branch locations, visit: TinkerFCU.org/locations
Will there be any changes to my account statements and notices?
Yes, they will look a little different than before, but will have all the information you need. If you were previously receiving eStatements, will need to re-enroll at: TinkerFCU.org/estatements
Do I need to order new checks?
No, you will be able to use your current checks. If you would like to order new checks, you can do so through your online and mobile banking, by contacting us at 940-377-3299 or in person at a full-service TFCU branch.
Will the routing number change?
Yes, the routing number associated with your accounts will change to 303085829.
Do I need to adjust my direct deposit information?
No, you won’t need to make any changes to your direct deposit. These transactions will be processed just as they were prior to the update.
Will I still be able to access my eStatements in online and mobile banking?
Your statements dating back to 2021 will be made available after you re-enroll in online and mobile banking. If you need help accessing your statement history, contact us at 940-377-3299.
Will there be changes to Bill Pay?
If you’ve used Bill Pay in the past two years, you will not need to re-enroll.
Will there be changes to Internal Auto Transfers and EFT Records?
Yes, but your payments will not be disrupted. You will be able to see them in online and mobile banking, but won’t be able to edit or delete them. If you need to make changes, contact us at 940-377-3299.
Will there be changes to Gap and Mechanical Breakdown coverage?
No, if you have a loan that includes Gap or Mechanical Breakdown coverage, there will be no disruption to your services.
What’s changing with my online and mobile banking for my business?
Beginning on November 2, 2025, if you hold business accounts, you’ll need to download the app named Tinker FCU Business in the Apple or Google Play app store. You will need to re-enroll for business online banking by following the steps below.
Your new desktop log in for online banking will be found at TinkerFCU.org. Click the drop-down menu in the main navigation and select “Business Login” to get started. Follow the steps above to create your account or log in.
If you need assistance, contact us at 940-377-3299.
Are the names and numbers of my accounts changing?
Yes, when you log in to your new online and mobile banking, you’ll see your new account names or you can visit a TFCU branch for assistance. The table below shows the former names of accounts and the corresponding TFCU account name that will be used moving forward.
Will there be downtime associated with this update?
Yes. Remote deposit capture on your current mobile banking will be disabled on October 30, 2025 at 4 p.m. central time. Your current online and mobile banking platforms will be unavailable starting at 5 p.m. central time on October 31, 2025. On November 2, you’ll receive details by email on how to transition to the new app and desktop login at TinkerFCU.org.
Will my account numbers change?
Yes, when you log in to your online and mobile banking, you’ll be able to see your new business account number or you can contact or visit a TFCU branch for assistance.
Will the routing number change?
Yes, the routing number associated with your accounts will change to 303085829.
Will I need to make changes to my ACH and draft transactions?
Yes, to help prevent disruptions, we strongly encourage you to update your ACH information as soon as you have your new account number. Please use ABA routing number 303085829 instead of 311980754, and the new 13-digit MICR account number found in your new online and mobile banking. If you need assistance, please contact us at 940- 377-3299.
Will I be able to conduct my in-person business at any TFCU branch?
You’ll be able to conduct your standard business account transactions like deposits and payments at any TFCU branch. There are two TFCU branches in your area, located at 3351 Unicorn Lake Blvd. in Denton, Texas and 8800 US Highway 380, suite 200 in Cross Roads, Texas.
For a full list of TFCU branches locations visit: TinkerFCU.org/locations
Is my business debit card changing?
Yes, please expect to receive a new TFCU Business debit card in the fourth quarter of 2025. You’ll be able to use your current debit card until you receive and activate your new card.
For more details about the TFCU Business debit card, please scan the code or visit: TinkerFCU.org/business/debit-card
Will there be any changes to my account statements and notices?
Yes, you will start to receive separate statements for each of your TFCU business accounts. They will look a little different than before, but they will have all the information you need and you can opt in to receive check images.
Will there be changes to Bill Pay?
Yes, you will need to re-enroll with your new accounts. Your current Bill Pay will become unavailable October 31 at 5:00 p.m. central for the update. All payments scheduled before the downtime will process as scheduled.
Will my loan payment process change?
You will be able to conduct all of your loan payments and account transfers within TFCU business online and mobile banking platforms or in person at any TFCU branch.
Do I need to order new checks?
If you’re currently using checks for your business, you will still be able to use your current checks. If you would like to order new checks, you can do so through your online and mobile banking, by contacting us at 940-377-3299 or in person at a full-service TFCU branch.
Will there be changes to Internal Auto Transfers and EFT Records?
Yes, but your payments will not be disrupted. You will be able to see them in online and mobile banking, but won’t be able to edit or delete them. If you need to make changes, contact us at 940-377-3299.
Will there be changes to Gap and Mechanical Breakdown coverage?
No, if you have a loan that includes Gap or Mechanical Breakdown coverage, there will be no disruption to your services.