Checking For Young Adults

Checking for Young Adults

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

Checking for Young Adults

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

Adulting is hard. Make the money part easier.

Whether you’re in school, joining the working-world or juggling both, TFCU can help you chase your dreams and goals — we’re here to 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 direct deposit with your paycheck to open your account
  • No minimum balance required
  • No monthly fee just for having an account
  • No monthly or annual fee for the MoneyPlus™ VISA® check 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.

Dad and son looking at there mobile devices

The TFCU Difference

Why should you choose a credit union for your first checking account? We’re different –  find out why.

Learn More About the TFCU Difference
Why Choose a Credit Union Over a Bank?

Home Branch Mobile App – Access Anytime, Anywhere

Learn More and Get Started
Daughter and mother working out outside

Cool mobile app features.

Once you have your TFCU Checking For Young Adults account and mobile app you can:
Deposit Checks*
(that your grandparents
probably wrote you)
Set up text alerts*
like low balance and
purchase alerts
Use fingerprint or face ID*
to access your account
Set up a digital wallet
and pay with your phone
Link your checking
to Venmo, Cash App
and other payment apps
Set up a digital wallet
and pay with your phone
Link your checking
to Venmo, Cash App
and other payment apps
* Requires online access to your TFCU account(s) through Home Branch.

More great benefits at no cost.

  • Online access to your TFCU accounts via Home Branch 
  • Get a higher rate on your checking account balance with TFCU’s Click Checking*
  • Standard overdraft transfer protection (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
*Meeting all of the criteria for using TFCU’s electronic services in any given month earns you a higher rate for the month, up to a maximum balance of $30,000. Dividends on any balance over $30,000 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 are variable and subject to change at any time, including after the account is opened. For current Click Checking account rate information and all other TFCU accounts , click here, go by any branch or call us. Only one Click Checking account per Taxpayer Identification Number (TIN) is allowed. To earn the stated higher Annual Percentage Yield (APY) on this account, the following transactions must process against the account each month:
    • Enrolled for Home Branch;
    • Pay minimum of one (1) bill using TFCU’s BillPay Online,
    • Conduct a minimum of ten (10) MoneyPlus purchase transactions. 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;
    • Sign up for e-Statements and e-Notice (enrollment must be completed no later than 2 business days prior to the end of the month);and
    • Minimum of one (1) direct deposit, ACH credit/debit, or automated payment processed.  
**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.