Local Service
As a locally owned and operated credit union, we prioritize community values over corporate profits, including investing in local education.
Open an Online Checking Account
Whether you're managing daily expenses or hoping to earn dividends, CTCU has a checking account that fits.
With local service in Tyler, TX, mobile access, and options designed for different financial stages, our accounts give you the flexibility and control you need—plus peace of mind through fraud protection and fee-free ATMs nationwide.
We offer two checking options to match your needs: Basic Checking for day-to-day spending, and Premium Checking for those seeking an interest-bearing account.
Feature | Basic Checking | Premium Checking |
|---|---|---|
Minimum Opening Balance | $0 | $500 |
Dividends | — | 0.10% APY* on balances over $500 |
Free Checks | — | Yes, for members 55+ |
ATM Access | 30,000+ surcharge-free ATMs | 30,000+ surcharge-free ATMs |
Debit Card | Free Mastercard® with fraud protection | Free Mastercard® with fraud protection |
Online Banking | ✔ | ✔ |
Mobile App Access | ✔ | ✔ |
Bill Pay | ✔ | ✔ |
Instant Mobile Check Deposit | ✔ | ✔ |
Direct Deposit | ✔ | ✔ |
Best For | Everyday banking | Members who maintain higher balances and want to earn dividends |
Set Up Your Bank Account Online
Terms & Conditions
As a locally owned and operated credit union, we prioritize community values over corporate profits, including investing in local education.
Enjoy online banking, bill pay, mobile deposits, and a debit card that supports contactless payments, Apple Pay, Google Pay, and Samsung Pay.
Grow your balance with 0.10% APY and avoid fees by meeting simple balance or loan requirements.
Get nationwide access to thousands of ATMs without surcharges through our extensive partner network.
Benefit from 24/7 debit card fraud monitoring and zero personal liability for unauthorized transactions.
Open your checking account online, over the phone at 903-561-2603, or by visiting our Tyler or Lindale location. Whether you're just getting started or optimizing your finances, CTCU has the account—and the team—to support you every step of the way.
