Checking
Simplify your finances with a CTCU Checking account! Our checking account offers many perks including cutting-edge banking tools and this long list of valuable extras:
- $500 minimum balance
- Access to 30,000+ Surcharge-Free ATMs Nationwide
- Free MasterCard® Debit Card with 24/7 fraud monitoring and zero liability protection for fraud transactions.
- Free online and mobile banking
- Free Bill Pay
- Deposit checks using your mobile app.
- Quick access to your paycheck when you set up direct deposit.
Our checking account is easy to open too! You can open your account today by applying online, in-branch, or over the phone. Already have a checking somewhere else? No problem! We’ve taken the hassle out of moving your checking account with step-by-step instructions.
How to Easily Move a Checking Account from one Credit Union to a CTCU Checking Account
Step 1: Open a CTCU checking account.
Apply online, visit us at one of our branches, or call 903-561-2603.
Apply NowStep 2: Stop using the account you want to close.
For a final balance to be determined, you need to suspend all transactions from the account including writing checks, making payments, and using your ATM/Debit Card.
Step 3: Switch your direct deposit.
Transfer your direct deposits from your old account to your CTCU checking account. You will need:
- Your new CTCU 10-digit checking account number.
- CTCU’s Routing Number: #311989548
- Direct Deposit Transfer Form
- Your employer’s address and phone number
Complete the direct deposit form and send it to your employer, your retirement pension plan, or government direct deposits to switch your deposits into your new CTCU checking account.
Step 4: Change your automatic payments.
Transfer any automatic payments such as recurring loan payments, insurance, utilities, internet providers, etc. from your former checking account to your new CTCU account.
Step 5: Close your old account.
Once your last check, automatic deposit or withdrawal, and automatic payments have posted to your new CTCU checking account, you can close your former account.
$10.95 service fee will be charged if you do not meet one of the following requirements for our Regular Checking account: 1) Service fee will be waived for those who are 25 or younger 2) Service fee will be waived if member maintains an average daily balance of $500 or more in the account 3) Service fee will be waived if member maintains an average daily balance of $5,000 or more in qualifying deposits including Regular Savings, CDs, IRAs, Investors Club, Regular Checking, and Premium Checking. 4) Service fee will be waived if member has an average daily loan balance of $5,000 or more. See our Truth in Savings document for more details.