Checking For Young Adults

Checking for Young Adults

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

Ready to get started?

Open an Account
Schedule an Appointment
Visit a TFCU Branch
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Adulting is hard. Make the money part easier.

Whether you’re in school, joining the working-world or doing ALL the things, TFCU can help you achieve your dreams and goals. 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™ debit 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.

Home Branch Mobile Banking – Access Anytime, Anywhere

Learn More and Get Started
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The TFCU Difference

We’re local. As the largest credit union in Oklahoma, the heart of our membership is here – but you can access our services anywhere in the world.

We’re not-for-profit. TFCU is member-owned, that means what TFCU earns is returned back to its members through lower loan rates, higher dividends on savings accounts and fewer fees.

We’re always looking for ways to give back. TFCU surprises members with more than $100,000 in “give backs” each year. The more accounts and services a member uses, the better their chances of winning.

Why Choose A Credit Union Over A Bank?

Not just a checking account…

We’re here to help you plan for what’s next. Need help building your credit, or starting a savings account? We’ve got you. TFCU offers credit and budget coaching and access to BALANCE Financial Fitness courses to get you on your feet and keep you on the right track.

We also offer great rates on loans. From student loans, to financing your first vehicle, we pride ourselves in competitive rates and excellent terms.

 

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More perks from TFCU

  • Get a higher rate on your checking account balance with TFCU’s Click* rate.
  • 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.

Helpful mobile app features.

Once you have your TFCU Checking for Young Adults account and mobile app you can:

Deposit Checks*

quick and easy.

Set up alerts*

like balance and transaction 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.

Deposit Checks*

quick and easy

Set up alerts*

like balance and transaction 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

* Requires online access to your TFCU account(s) through Home Branch.

*Meeting all of the criteria for using TFCU’s electronic services in any given month (log onto Home Branch online banking, Pay minimum of one (1) bill using TFCU’s Bill Pay, minimum of ten (10) MoneyPlus purchase transactions**, sign up for eStatements and eNotices***, minimum of one (1) direct deposit or automated payment) earns you the Click 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, including the Click rate, are variable and subject to change at any time, including after the account is opened. For current information about rates on this and all TFCU accounts, click here, go by any branch or call us. Only one Click Checking account per Taxpayer Identification Number (TIN) is allowed.
**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.
***Enrollment for Electronic Statements/Notices must be completed no later than 2 business days prior to the end of the month.
****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.

Resources

Check Rates & More

Savings Rates

Calculators

Access Your Money

Home Branch Online Banking

Home Branch Mobile Banking

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Educate Yourself

Savings Articles

Financial Coaching

Investment & Financial Planning

Workshops

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