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Checking Accounts1

Checking for the Way You Live

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Get the Right Checking Account

Explore our checking accounts and find the right fit for your financial goals.

Check

Checking Account

A checking account for everyday money management.

  • No minimum balance
  • No monthly fee with eStatements
  • Free initial Credit Union checks
  • and much more!
Open a Checking Account
Community

Member-Managed Checking Account2

A tiered checking account to earn dividends. Higher balances earn higher rates.

  • Earn monthly dividends
  • Tiered rates based on your balance
  • Access your money anytime
Open a Member-Managed Checking
Calculator

High-Yield Checking Account3

Earn up to 3.50% APY when you meet monthly requirements.

Open High-Yield Checking
Savings

Health Savings Checking Account4

A tax-advantaged checking account for medical expenses is available to eligible individuals enrolled in a qualified High Deductible Health Plan.

  • Use a debit card for qualified medical expenses
  • Enjoy tax advantages for healthcare savings
  • Earn dividends that compound monthly
Learn More About HSA
Mobile Phone

Teen Checking Account

A checking account to help teens build confidence and manage money independently.

  • Get your own debit card
  • Get paid up to two days early with direct deposit
  • View your transactions and balances in the mobile app
Learn More About Teen Checking

Compare Our Accounts

With no minimum initial deposit required and free initial Club Checks, it’s easier than ever to get started with a Checking Account.

  • Best Checking Package

    Best Checking Package

  • Member-Managed Funds Account

    Member-Managed Funds Account

  • Health Savings Checking Account

    Health Savings Checking Account

  • High-Yield Checking Account

    High-Yield Checking Account

Monthly Fee

  • Best Checking Package

    None

  • Member-Managed Funds Account

    None

  • Health Savings Checking Account

    None

  • High-Yield Checking Account

    None

Dividends

  • Best Checking Package

    No

  • Member-Managed Funds Account

    Based on tiered basis monthly

  • Health Savings Checking Account

    Earns daily, compounds monthly

  • High-Yield Checking Account

    Earns daily, compounds monthly, $500 minimum

Monthly Statements

  • Best Checking Package

    Yes

  • Member-Managed Funds Account

    Yes

  • Health Savings Checking Account

    Yes

  • High-Yield Checking Account

    Yes

Free Initial Club Checks

  • Best Checking Package

    Yes

  • Member-Managed Funds Account

    Yes

  • Health Savings Checking Account

    Yes

  • High-Yield Checking Account

    Yes

 
Explore Our Rates

Get More From Your Checking Account

Explore the convenient tools and services you get with your checking account that will help you manage your money.

Computer

Digital Banking

Manage your money with online or mobile banking5.

Money Bag

Pay-A-Bill6

Pay bills online to save on time and postage costs.

Debit or Credit Card

Debit Card with Rewards

Use your debit card to earn uChoose Rewards7 points.

Mobile Phone

Mobile Check Deposit8

Deposit a check in the mobile app with just a picture!

Check

Free Checks

Receive your first set of checks at no cost.

Notice

Card Fraud Alerts9

Receive text alerts about suspicious activity.

ATM

Surcharge-Free ATMs10

Access more than 90,000 fee-free ATMs nationwide.

Wallet

Direct Deposit11

Whenever possible, we post electronic deposits up to two days before the effective date!

Helpful Account Services

Click through the tabs to discover additional services that might be useful for your checking accounts.

Direct Deposit is the fastest and easiest way to get access to your paycheck. Whenever possible, we post electronic deposits up to two days before the effective date!

Direct deposit is also the safest way to get paid. It helps protect you from potential identity theft and fraud. Enrolling is easy. To get started, all you need is your account number and our routing number (264279567).

Direct Deposit Form

If you have multiple accounts with the Credit Union, you may sign up to have funds automatically transferred to cover charges with no fee. Choose to use any savings account, money market account, or a Knoxville TVA Employees Credit Union Credit Card. If there are not sufficient funds in any of the accounts, the transaction will be declined.

To add an account as overdraft protection:

Call (865) 544-5400 or toll-free (800) 467-5427

Visit Any Branch

Courtesy pay is an added protection to your account when unforeseen circumstances happen. It covers a shortage of funds on debit card purchases, point-of-sale (POS) transactions, ATM withdrawals, checks, and ACH transactions so your transaction can be processed. Courtesy Pay may cover insufficient funds transactions up to an approved limit for a $32.00 fee per presentment. 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.

To have the benefit of courtesy pay applied to ATM/debit card transactions, you must opt-in.

Learn more

Keep Your Money More Secure with Alerts

Stay one step ahead with Account Alerts! Whether you want a heads-up about deposits, balance updates, or loan activity, it’s easy to set up alerts in just a few taps. Set customized text or email alerts in Card Controls.

Card Controls
Set Account Alerts

Checking Account FAQs

Can’t find your question about checking accounts? Contact us

Yes, you can open a checking account online, in a branch, or over the phone.

To open a checking account, you’ll need to provide information required to verify your identity and establish your Membership.

No, our checking accounts do not have monthly fees. To view the full fee schedule, click here.

Yes, you can use your KTVAECU Checking Account for direct deposit. When available, electronic deposits may be posted up to two days before the scheduled payment date.

You may open a checking account for your child. You also have the option to link a debit card to a Jump Start Savings Account.

Let’s Get Started

Open an account online, visit a branch, or contact us for more information.

Apply Online
Open Account
Visit Us
Find a branch near you
Get in Touch
Contact Us
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Disclosures

  1. Available to qualifying Members. Some restrictions may apply. Ask for details.

  2. APY = Annual Percentage Yield. Member-Managed Funds may be designated as a savings or checking account. No minimum balance required, but the minimum balance of $2,500.00 required to earn dividends. Member-Managed Checking Accounts offer unlimited transfers. Fees may reduce earnings. Limits on number of non-signature transactions may be imposed as required by regulation or Credit Union policy. Non-signature transactions may include those made over the phone, via online or telephone banking, or automatically by the Credit Union. No monthly fee if enrolled in eStatements or $2.00 per month for paper statements (if under the age of 18, Senior Member Accounts, and department SSI excluded). Ask for details. Available to qualifying Members. Some restrictions may apply. Fees may apply.

  3. Some restrictions may apply. Fees may reduce earnings. Ask for details. High-Yield Checking is a tiered-rate account. Monthly qualification cycle begins on the first day and ends on the last day of the calendar month. Terms and conditions may apply. Rate subject to change. APY = Annual Percentage Yield.

    PREMIUM RATE of 3.50% APY is earned on balances between $500.00 and $10,000.00 when the following monthly qualifications are posted and settled within the monthly qualification cycle:
    • Make 15 debit card transactions
    • Log in to online/mobile banking at least once
    • Receive e-Statements
    • Have direct deposit

    NON-PREMIUM RATE of 0.00% APY is earned on balances of $499.99 or less. On balances over $10,000.00, 0.15% APY is earned or when premium qualifications are not met. When the account is closed, 0.15% APY applies for the month the account is closed.

  4. Consult with your tax advisor to determine your specific tax situation. Certificate withdrawal restrictions apply. Additional terms and conditions may apply. Must be age 18 or older to apply. A Certificate Account can be designated as an IRA Certificate or a Health Savings Account Certificate. All rates and offerings are subject to change. There is a charge for non-club checks. Fees may reduce earnings.

  5. Some restrictions may apply. Ask for details. Message and data rates may apply from your wireless carrier.

  6. Available for qualifying Members. Some restrictions may apply. Message and data rates may apply. Ask for details.

  7. Debit cards must be used as “CREDIT” to earn rewards. CREDIT transactions will not earn rewards when processed on a debit network; KTVAECU assumes no liability for transactions processed by the merchant on a debit network. The minimum uChoose Rewards points to redeem for business & consumer credit cards is 1,000 points; the minimum for consumer debit cards is 2,500 points. Not valid on KTVAECU business debit cards. Available to qualifying Members. Some restrictions may apply. Ask for details. uChoose Rewards is a registered trademark of Fiserv, Inc. Business debit cards do not qualify for uChoose Rewards points.

  8. Available to qualifying Members. Some restrictions may apply. Ask for details. Message and data rates may apply from your wireless carrier.

  9. Some restrictions may apply. Message and data rates may apply. Not all wireless carriers support FTEU (Free To End User) texting. If your carrier does not support these texts or your mobile number is not on file, you will continue to receive phone calls if unusual activity occurs on your card. Ask for details.

  10. Allpoint, Co-Op Financial Services, and KTVAECU ATMs are surcharge-free for all Knoxville TVA Employees Credit Union cardholders. Your financial institution may impose a separate service fee on a transaction conducted at an ATM it doesn’t own. $1.00 cash advance fee on credit cards at foreign ATMs.

  11. Early access to funds depends on timing of payer’s submission of deposits. We generally post such deposits on the day they are received, which may be up to two days earlier than the payer’s scheduled payment date.