Due to scheduled maintenance, online and mobile banking will be unavailable 12am - 6am on Sunday, January 21.

Checking Accounts

Life is busy. That's why we offer checking accounts that make your life easier! No minimum balance, no monthly fee*, no brainer. Open a checking account today and enjoy these benefits:

Get Funds Faster with Direct Deposit!

Paychecks, social security, pension checks and more can be automatically deposited directly in your account and are usually available right away! To do this you’ll need the following information:

Items Needed:

Mailing Address
Knoxville TVA Employees Credit Union
301 Wall Avenue
Knoxville, TN 37902

Routing Number

Credit Union Account Number
If it is a checking account, it will be a 12-digit account number (printed on the bottom of checks after the routing number); if it is a savings account, it will be your member number.

Provide the above information to your employer or complete the below form and take it to the closest Credit Union branch or call (865) 544-5400 or (800) 467-5427.

Start Using Direct Deposit Today!

Debit Card

Visit one of our many locations to open an account, and receive your debit card instantly during the same visit. Process all transactions as "credit" and earn reward points redeemable for cash, gift cards, travel and more.

Learn more about UChoose Reward Points!

Have a favorite photo? Enjoy seeing it every time you make purchases by personalizing your debit or credit card.

Personalize your card today!

Use your debit card at more than 55,000+ surcharge free ATMs worldwide.

Search ATM locations!

Save While You Spend

With the Centsible Savings Program, each time a purchase is made with your Credit Union Visa® Debit Card, the total will be rounded to the nearest dollar amount. At the end of each day, the difference will be transferred from your checking account to your Centsible Savings Account.

Learn more about Centsible Savings!

Mobile App & Online Banking

  • Real time transactions
  • Check account balances
  • Transfer money
  • Pay bills
  • Deposit checks
  • Send money to anyone with a bank account 
  • Apply for a loan
  • Locate branches and ATMs
  • Track income and expenses

Learn more about the mobile app and online banking!

Non-Sufficient Funds

In the event of non-sufficient funds in a Member account when either a check is written or an ATM or debit card is used, the Credit Union offers two different services:

Overdraft Protection

Allows transactions to clear your checking account in the event of insufficient funds by automatically transferring funds from another account at the Credit Union.

Courtesy Pay

Allows the Credit Union to cover insufficient funds items on debit card purchases, point-of-sale (POS) transactions, ATM withdrawals, checks and ACH transactions, up to the approved limit. This means that instead of returning a check to the merchant because of insufficient funds, the Credit Union may process your transaction, saving you additional charges from the merchant. Courtesy Pay transactions are paid at the Credit Union’s discretion and must be repaid within 45 calendar days. There is a fee per covered overdraft transaction. Please refer to the fee schedule for details.

Money Market Checking Account

Invest in yourself. Set aside money in a Member-Managed Money Market Account to earn higher dividends than a regular savings account with flexibility and fluidity without penalty. This is a tiered account, so the more you save, the more you earn! The minimum opening deposit is $2,500.

  • Earn dividends daily, compounded monthly
  • Free club checks
  • Monthly Statements
  • Unlimited in-person withdrawals and transfers

Learn more about a money market checking account!

Account transfer and withdrawal limitations apply.

*No monthly fee with eStatements. $2 convenience fee applies for paper statements. Paper statement fee excludes Members under the age of 18 and Senior Member Accounts. Ask for complete details. Available to qualifying members. The Credit Union does not charge a fee for using foreign ATMs to make a withdrawal. Some of the above services require a check/debit card and/or a smart phone. Membership eligibility requirements apply.