Personal
Checking Accounts

Your personal checking account is where it all happens - paying bills, using your debit card, writing checks. Everyday checking doesn't need to be complicated. We offer smart, straightforward checking options because it's your money, your way at TFCU!

¹
Subject to the terms and conditions detailed in the Guide to Beneﬁts. Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals.

² Insurance products are: NOT A DEPOSIT. NOT FEDERALLY INSURED, NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY.

³ Identity and credit monitoring require additional activation for monitoring to begin.

⁴ Rate rebates are paid back to the loan as a payment on the last day of each month. The amount paid back is reduced from the overall annual percentage rate. For example: if the annual percentage rate is 3.00% then 0.25% of that would be rebated back to the loan as a payment. The monthly rebate will fluctuate based on the balance of the loan.

⁵ Based on approved credit.

Freedom
Checking

Best for: Those looking for a no-frills checking account.

eBanking tools

Enroll in e-statements and avoid $3 monthly statement paper fee

ID Theft Aid^1,2,3

Buyer’s Protection and Extended Warranty

Open a Freedom Checking Account

Tongass
Checking

Best for: Those looking for affordable benefits.

Flat $5 fee

Local discounts on shopping, dining and more with the BaZing savings app!

Cell Phone Protection¹

ID Theft Aid^1,2,3

Roadside Assistance available 24/7 and free to use

$10,000 Travel Accidental Death Coverage²

Health Savings Card

BillShark - online subscription negotation and cancellation services³

Open a Tongass Checking Account

Tongass Gold
Checking

Best for: Our most engaged members looking for interest and rewards!

Earn interest!

Local discounts on shopping, dining and more with the BaZing savings app!

Cell Phone Protection¹

ID Theft Aid^1,2,3

Roadside Assistance available 24/7 and free to use

$10,000 Travel Accidental Death Coverage²

Health Savings Card

Buyer’s Protection and Extended Warranty^1,2

$8 monthly fee waived with a $1,500 minimum daily balance. Fee also waived if you have a credit union loan on the account (VISA not included).

Open a Gold Checking Account

Quick Links

Questions? Chat with a Rep Now

What is a Credit Union?

Learn about Membership

Resources

Checking Account Management Toolkit

Download the TFCU Switch Kit

All Personal Checking Accounts include:

Be a Member-Owner!

Access to 6,000+ Co-Op Shared Branches Nationwide

FREE Online Banking, Mobile Apps & TXT Banking

$25 discount code for Annual Medivac Insurance

Overdraft Options

VISA^® Debit Card

Use for purchases anywhere VISA^® is accepted.

No fee local ATMs

Get cash at ATMs worldwide

Instant Issue: No need to wait on your card, we print them instantly in branches (Instant Issue not available at Microsite locations.)

Lost/Stolen Credit Card: (800) 528-2273

Lost/Stolen Debit Card: (800) 682-6075

Report Fraud Credit Card: (800) 889-5280

Report Fraud Debit Card: (907) 225-9063

Overdraft Options

Add protection to your account with Courtesy Pay! Whether you accidentally overdraw your account or need emergency funds, Courtesy Pay will provide you with a $500 overdraft limit.

$500 limit
$25 per transaction
30 days to repay

How it works: Please make corrections as follows: “Courtesy Pay is a non-contractual courtesy extended to you by TFCU. If you overdraw your account by ACH, debit purchase, at the ATM, or by coming into the branch, funds will be available to you up to $500. TFCU will try to use other overdraft options before using Courtesy Pay to save you money. You will not be charged a fee until you use the funds. TFCU may remove the privilege at the sole discretion of the credit union. For example, if you no longer live in the state of Alaska or if your account is not in good standing the credit union will remove Courtesy Pay from your account.

Download the Courtesy Pay Letter

Courtesy Pay Disclosure

Connect your accounts, just in case! Don’t get declined when using your debit card and ensure your checks always clear by linking your checking account to your other TFCU accounts.

$5 transfer fee per item

How it works: Overdraft Protection will draw funds from the connected account, such as your savings account, if you do not have enough funds in your checking. For example, you forgot that your power bill was pending and you went grocery shopping. You technically do not have enough funds to cover both purchases, but since your account is connected the funds (if available) will pull from your savings account.

Similar to a credit card, but without the card. A line of credit has no annual fee and is available to you when you need it. This is a type of loan and does require a contract.¹

Free transfers
No annual fee
Ready when you need it!

How it works: Similar to other forms of overdrafts. If you don’t have enough funds in your account the funds will pull from your line of credit. You will then be responsible for making regular payments on the line of credit.

¹ Subject to the terms and conditions detailed in the Guide to Beneﬁts. Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals.

² Insurance products are: NOT A DEPOSIT. NOT FEDERALLY INSURED. NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY. Additional activation is required on BaZing.com.

³ Billshark and Identity and Credit monitoring require additional activation for monitoring to begin.

Personal Checking Accounts

Freedom Checking

Tongass Checking

Tongass Gold Checking

Quick Links

Resources

All Personal Checking Accounts include:

VISA® Debit Card

Overdraft Options

Personal
Checking Accounts

Freedom
Checking

Tongass
Checking

Tongass Gold
Checking

VISA^® Debit Card