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Checking Accounts

Checking Accounts

Checking with Tongass Federal Credit Union is easy, convenient and inexpensive. You don’t have to try to sift through the fine print to figure out which account is best for you. We offer a great checking account to all adult members with no minimum balance requirements. Students 14 – 18 may qualify for checkless checking.

Your checking account with Tongass Federal Credit Union comes with a free identity theft reclaim service. If your identity is ever stolen we have contracted with an expert organization to help our members reclaim their identity. Other features include:

  • Only $25.00 minimum balance to open
  • Free Online Banking
  • Free Mobile or TXT banking
  • Online Bill Pay (Free to members with loans or using e-statements & making three pays per month)
  • VISA Debit Card
  • Overdraft Privilege

Click here to learn more about managing Courtesy Pay and Overdrafts.

Checkless Checking

This special checking account was created for your student, age 14 -18. This account is a great opportunity for parents to help their kids understand handling a checking account and using a debit card. No paper checks allowed with this account. Access is by VISA debit card only.

  • Only $25.00 minimum balance to open
  • Free Online Banking
  • Free Mobile or TXT banking
  • VISA Debit Card

VISA Debit Card

  • Free when opening checking account
  • Use for purchases anywhere VISA is accepted
  • No Fee ATM’s in our communities. Click here for a list.
  • Get cash at any ATM in the world
  • *Regular Checking limits: $505 daily limit on cash, $3,000 on purchases
  • *Checkless Checking limits: $105 daily limit on cash, $100 on purchases

*limits may vary based on usage

Change your PIN by phone: 877-PHONPIN (746-6746)*
*a small fee will apply

Use one of the following options to activate your TFCU debit card:
1. Go to
2. Call 1-800-411-6390 FROM YOUR HOME PHONE
(outside the US and Canada call collect 206-352-3477)

Our beautiful “fish” debit card was painted by local artist Mary Ida Henrickson.


Overdraft Options

At Tongass Federal Credit Union we offer overdraft options to help you manage your money, making your checking account even smarter. We want to help protect you against the cost, embarrassment, and inconvenience of an overdraft on your account. Options include:

  • Courtesy Pay

Courtesy Pay covers checks, ACH items, and recurring debit transactions. When you extend your Courtesy Pay coverage, your ATM and everyday Debit Card transactions will be covered as well. Click here for more information.

  • Overdraft Protection

Establish an automatic transfer between your Tongass Federal Credit Union accounts. Funds from your savings account can be automatically transferred into your checking account when your checking account funds are depleted. Click here for a transfer form.

  • Personal and Home Equity Lines of Credit

You may use your Tongass Federal Credit Union Personal or Home Equity Line of Credit to automatically advance into your checking account in $50 increments (up to your approved credit limit) when your checking account funds are depleted. Apply for a line of credit here.

Fresh Start Spending

The Fresh Start Spending account is for members who do not qualify for the TFCU's standard checking. If you are working to improve your past history and want to avoid the fees associated with prepaid cards at other retailers, the Fresh Start Spending account is for you.

Fresh Start Spending:
  • Free online banking
  • Free mobile or text banking
  • Free E-statements
  • Low monthly service fee*
  • VISA debit card
  • Unlimited deposits

*see fee schedule for more details

Phone Number: (907) 225-9063   •   CU*Talk (Audio Teller): (844) 498-8542  •   Lost/Stolen Credit Card: (800) 325-3678  •   Lost/Stolen Debit Card: (800) 682-6075
This credit union is federally insured by the National Credit Union Administration.
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