Video Tutorials

¹ Available to qualifying Members. Some restrictions may apply. Ask for details. Message and data rates may apply from your wireless carrier.

² May be limited to make, model, and year of your smart phone.

³ Fee for loan payments made online through Make-A-Payment^® is $5.00 per payment. Effective August 12, 2022, $5.00 per payment fee is waived when payments are made using Make-A-Payment^® online/mobile link for KTVAECU Visa(R) Platinum and KTVAECU Business Visa credit cards. Some restrictions may apply. Ask for details.

⁴ Some restrictions may apply. Ask for details. Message and data rates may apply from your wireless carrier. Ask for details.

⁵ 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.

⁶ Skip-a-Payment Disclaimer - Skip-A-Payment is not valid on real estate loans, business loans, line-of-credit loans, or credit cards. $35.00 fee applies to each skip-a-payment. All qualifying loans must be current and in good standing. Maximum number of 2 skips are allowed per rolling 12-month period. Back-to-back skips are allowed if qualifications are met. Ineligible loans will not be deferred. Credit Union will not be responsible for any payments, deposits, or other communications of forms lost in the mail. Skip-A-Payment is subject to Credit Union approval. By utilizing Skip-A-Payment, you acknowledge that KTVAECU will be extending your loan and final payment by one month on each loan designated. Interest will continue to accrue on your loan during the month that you skip your payment. If a GAP Waiver insurance policy was purchased at the origination or during the course of the loan, doing any Skip-A-Payment may have an adverse impact as to how a GAP claim is paid by the GAP insurance carrier. The Credit Union will not be liable for any denial of GAP benefits created by Skip-A-Payment products.

⁷ If, on any date, the available balance in your share or deposit accounts is not sufficient to pay the full amount of a check, draft, transaction, or other item, plus any applicable fee, that is posted to your account, we may return the item or pay it, as described below. The Credit Union's determination of an insufficient available account balance may be made at any time between presentation and the Credit Union's midnight deadline with only one review of the account required. We do not have to notify you if your account does not have a sufficient available balance in order to pay an item. Your account may be subject to a fee for each item regardless of whether we pay or return the item. We may charge a fee each time an item is submitted or resubmitted for payment; therefore, you may be assessed more than one fee as a result of a returned item and resubmission(s) of the returned item. If we offer standard overdraft services, this service allows us to authorize payment for the following types of transactions regardless of whether your share or deposit account has sufficient funds: (1) share drafts/checks and other transactions made using your checking account, except as otherwise described below; (2) automatic bill payments; (3) and ACH transactions. For ATM and one-time debit card transactions, you must affirmatively consent to such coverage. Without your consent, the Credit Union may not authorize and pay an ATM or one-time debit card transaction that will result in insufficient funds in your account. If you have established a service linking your share or deposit account with other individual or joint accounts, you authorize us to transfer funds from another account of yours to cover an insufficient item, including transfers from a share or deposit account, an overdraft line-of-credit account, or other accounts you designate. Services and fees for these transactions are shown in the document the Credit Union uses to capture your affirmative consent and the Fee Schedule. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay such items that result in an insufficiency of funds in your account, we do not agree to pay them in the future and may discontinue coverage at any time without notice. If we pay these items or impose a fee that results in insufficient funds in your account, you agree to pay the insufficient amount, including the fee assessed by us, in accordance with our standard overdraft services or any other service you may have authorized with us or, if you do not have such protections with us, in accordance with any overdraft payment policy we have, as applicable.

⁸ Plaid is a trademark of Plaid, Inc. You authorize and direct KTVAECU to share information about yourself, your KTVAECU relationship and your accounts at KTVAECU with Plaid Inc. (a “third party”) and, with any apps and websites (“third parties”) with which you've consented to allow Plaid to share your information. It is the Member's responsibility to ensure the privacy and security of your information is appropriately protected by Plaid or other third parties with whom you share your information. Use of your information by Plaid or a specific app/site, service, quality, performance, and accuracy are governed by your agreement with Plaid, Inc. or third parties, not by KTVAECU.

⁹ Some restrictions may apply. Ask for details. Message and data rates may apply from your wireless carrier. Pay-A-Person uses Payrailz to send funds and is a trusted, third-party partner of Knoxville TVA Employees Credit Union. Full disclosure available at tvacreditunion.com/payaperson-disclosure.

¹⁰ Available to qualifying Members. Some restrictions may apply. Message and data rates may apply. Ask for details.

¹¹ Some restrictions may apply. Ask for details. Message and data rates may apply from your wireless carrier. Credit Score does not apply to business accounts.