Perks Checking
Experience the best of everything in one easy-to-manage checking account. Enjoy perks, protection, and benefits you’ll actually use!
Why a Perks Checking Account?
Shopping
Deals
Buyer’s
Protection
Travel
Insurance
Federally
Insured
No NSF
Fees
Shopping
Deals
Buyer’s
Protection
Travel
Insurance
Federally
Insured
No NSF
Fees
Additional Account Features
How Perks Checking Puts You First
Discover a checking account that combines convenience with significant savings.
- Manage your account with online and mobile banking, free debit card usage, and more
- Local and national deals on shopping, dining, and travel
- Cell phone protection, up to $400 per claim ($800 per year)1,2
- $5,000 in personal identity theft benefits, fraud resolution, and identity restoration services1,2
- 24/7 access to free roadside assistance ($80 in covered service charges)
- $10,000 in travel accidental death coverage for unexpected events2
- Purchase protection for accidental breakage on new purchases (up to $2,500 per item)1,2
Perks Checking Application
Ready to Join?
It’s never been easier to become a TVFCU member!
- We’ll need some information, such as your license, SSN, and address.
- Instantly enjoy all the benefits of Perks, with instant access to your account.
Frequently Asked Questions
Tennessee Valley FCU offers the best checking account with rewards. It provides valuable perks and benefits, including mobile check deposits and ID theft aid. Enjoy convenient online banking and access to a broad ATM network.
No, it does not earn interest. For checking accounts that earn interest, consider the TVFCU Perks Platinum Checking account or TVFCU Perks Plus Checking account. Both offer a wide range of perks, great annual percentage yield (APY), and interest earned on your account balance.
You can access your account for free at any TVFCU ATM using your Tennessee Valley Visa® debit card or ATM card. TVFCU is part of the CO-OP network so members can access surcharge-free ATMs around the world.
Setting up monthly direct deposits ensures your money is automatically deposited into your account. This can provide quicker access to your funds compared to manual deposits. It also adds convenience by eliminating the need to visit a branch.
Yes, there is a $6 monthly maintenance fee associated with TVFCU Perks Checking. This fee supports the various account features and benefits provided to members, which can lead to a much larger monthly savings. Always review the account terms to understand any additional fees that may apply.
There are no Non-Sufficient Funds fees, so you will not be charged if an item is returned. There is no fee for overdraft transfers from a TVFCU Savings Account. If you choose to opt in to Courtesy Pay Service, there is an affordable $9 fee if your account is allowed to go negative.
You need to make a $50 minimum opening deposit when opening an account. You will also need to provide your driver’s license, Social Security number, and other necessary details. Having all this info beforehand helps streamline the account opening process.
Personal Banking Solutions
CREDIT CARDS
Start Spending Smarter
Get convenient and flexible spending power, packed with benefits.
Learn MoreSAVINGS
Achieve Your Goals Sooner
Five account options – plus one powerful app to manage it all.
Learn MoreHOME EQUITY
Tap Into Your Home’s Value
Leverage your home equity for flexible and affordable financing.
Learn More1. Subject to the terms and conditions details in the Guide of Benefits. Participating merchants on TVFCU Perks powered by BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals.
2. Insurance products are: NOT A DEPOSIT. NOT NCUA-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE CREDIT UNION.
3. Identity and credit monitoring require activation for monitoring to begin.
Insurance, Cell Phone Protection and Identity Theft Protection products are not products of the Credit Union; and are not obligations of or guaranteed by the Credit Union. Insurance and other products may be purchased outside of those provided with the packages noted, from an agent or an insurance company of the Member’s choice and cost; and Credit Union makes no representations as to the services of any providers.
NSF = Non-Sufficient Funds
