Checking Accounts
This account has a $6.95 Monthly Membership Fee
Choice 50 Gold
This account offers all the features and benefits that the regular Business Partner Checking Account does.
Minimum monthly average balance of $1,000 ($10 monthly average balance if the account drops below $1,000)
Business Partner Investment
$50 minimum to open account
$10 Service Fee, $8 if they set up a Direct Deposit
Printed Monthly Statements $2.00 per Month without Check Images…or FREE Online Monthly Statements
Check Images on Statements available for an additional $2 per Statement
Visa® Debit Card There is a $10 Fee at the time of account opening to receive an Instant Issue Debit Card on-site. Daily limits are $500 at ATM and $400 for POS
Online Banking & Bill Pay is Free as long as you log in and pay 1 bill a month, or it is $5.95 a month
Unlimited Checking and Transactions
Choice Opportunity Checking
An account that is for a specified amount of time and generally has a higher rate than a regular savings account.
Certificate of Deposit (CD)
We offer devices that are user friendly and require little training all the way to the most advanced POS systems. The Clover family of devices allow you to take payments on your smart phone, tablet systems, and full-blown cash register devices.
Merchant Services
$10,000 minimum to open the account
Unlimited Checking and Transacting
$20 monthly fee
Free printed statements with check images
Easy Money Investment Checking
No Minimum balance
No Monthly fee
$1,000 Hometown Business Coverage – available after 60 days
FREE Paper Monthly Statement without Check Images
Low monthly fee of $5.00 for Monthly Statements with Check Images
Free Business Checking
No Minimum Balance
No Minimum Deposit to Open
FREE Monthly Paper Statements with Check Images
Online Banking
Online Statements
Debit Card
Unlimited Transactions
Current Daily Balances will Earn Interest
Personal Checks Available from Harland Clarke (Prices Vary)
Points to remember:
The account is for health costs only (although we do not monitor)
The account will be a “Single Ownership” account by the owner of the Health Insurance plan
The account can have an authorized signer
Like an IRA, they have up until tax day to make their annual contribution for the previous tax year
Health Savings Account
An investment account established and maintained for the purpose of providing supplemental retirement income.
Individual Retirement Arrangement (IRA)
Is only available to business customers who use TCB’s Cash Management
The customer is responsible for importing their issued checks at the time of issuance and reviewing the checks that clear their account every banking day
Cash Management- Positive Pay
Stop Payments at $25
Instant Issue Debit Card replaced at $7.50
Unlimited Mobile Deposits
Gift Card for $2
Travel Card for $5
Outgoing Wires for $20
Choice Gold and Choice 50 Gold
Minimum monthly average balance of $1,000 ($10 monthly average balance if the account drops below $1,000)
FREE Paper Monthly statements with check images
VIP treatment on Certificate of Deposit rates
1st year free rental on a safe deposit box
1 Cashier’s Check per Month at no issue fee
Business Partner Checking
$25 minimum to open account
This account is offered to Active Duty, Retired Veterans and Spouses - Includes Reserves and National Guard
- NOT for contractors or civilians who work on a military base (aside from spouses)
- Children of Active Duty or Retired Military do not qualify for this account.
1 Owner must be Active or Retired Military - Proper Active or Retired Military ID shown to a CSR
*Must provide either:
- Unexpired Military ID
- Spouse’s Military ID
- Veteran-Designated Driver’s License
- Veteran ID
- DD – 214 with honorable discharge - Certificate of Release or Discharge from Active Duty
No minimum balance, no monthly fee, no per check or transaction charges
Online Monthly Statements without Check Images
*Printed monthly statement available for $2.00 per month. Statement images also available for an additional $2.00 per statement
Visa® Debit Card with Mobile Wallet or ATM Only Card – a positive balance is required
Free Instant Issue Debit Card - One instant issue Debit Card free at the time of account opening. There is a $10 fee for any additional instant issue Debit Cards
A Nickel Reward with each swipe of your Visa® Debit Card - A nickel back per swipe when Cecilian Bank Visa Debit Card is used as a PIN based or signature based transaction. (Online purchases excluded) Credited to the account monthly when the statement cuts.
Refund on ATM Fees - Up to 2 foreign ATM fees refunded monthly, or fees totaling $10
Patriot Choice Checking
Minimum balance to avoid fee is $100.00
Minimum opening balance is $50.00
Below the minimum balance the monthly fee is $5.00
Minimum balance fee is waived for minors under 18…NuPoint does this by looking at the 1st owner’s date of birth
Minimum balance requirement is waived within the month the account is opened, however; the balance must be $100 by the last day of the month opened in order to avoid the fee the next month.
Excess debit fee over 3 per month will be $5.00 per item – (Internal transfers between their own TCB Accounts will not count as an excess withdrawal)
Minimum balance to earn interest is $50.00
Interest is compounded quarterly
Interest is credited quarterly
Savings Accounts, by default, produce a Quarterly Statement
Choice Savings Account
When do Fees, Interest & Nickle Rewards
Post to our Checking Accounts?
All post the night the checking account statement cuts
$500 Daily Minimum Balance or a $7.50 Monthly Fee will be charged
FREE Printed Monthly Statements with Check Images
Choice Plus Checking
No Minimum Balance
No Monthly Fee
FREE Paper Monthly Statements without Check Images
Low monthly fee of $2.00 for Monthly Statements with Check Images
Notary Services
1 Cashier’s Check per Month at no issue fee
Community Partner Checking
$25 minimum to open account
This account is offered to any full-time student 14-23 years old. If between the ages of 14 and 17, must have a parent or legal guardian as a co-owner on the account – 18 or older can be single ownership account
This account does not qualify for Hometown Coverage
No minimum balance, no monthly fee, no per check or transaction charges
Free Instant Issue Debit Card
Online Banking, Mobile Banking & Bill Pay – Must be 14 yrs of age or older to enroll
Nickel Reward
Refund on ATM Fees
NextGen Checking
It is a non-interest savings account
Direct Deposit or Automatic Transfer to the account is required
Withdrawals are not allowed, except to close the account.
Only for customers that have another TCB Checking or Savings Account
Account may be closed at any time (forfeiting any bonus)
The payout is in early March of each year… Just in time for that Spring Break getaway!!
Payout Balance is required to be transferred to another TCB Checking or Savings Account
Bonus Money
Balance of: Bonus:
$500 - $999.99 $5.00
$1,000 - $1,999.99 $10.00
$2,000 + $20.00
Vacation Club
Do Our Accounts Close at a Zero Balance?
Yes!
Minimum Daily Balance $2,500
$10 monthly fee
Excess Item Fee $10 per item over 6 per month
FREE Paper Monthly Statements with Check Images
TGIF Money Market
Monthly Average Balance of $10,000 to avoid the $25 monthly fee
FREE Paper Monthly statements with check images
Notary Services
VIP treatment on Certificate of Deposit rates (.1% bonus)
Excess Item Fee $10 per item over 6 per month
1 Cashier’s Check per Month at no issue fee
Business Partner Money Market
Minimum Opening Deposit $2,500
Limited Check Writing*
Minimum Daily Balance $1,000 - (When you keep a $1,000 Daily Minimum Balance, You will avoid the $7.50 monthly fee)
Excess Item Fee $10 per item over 6 per month – (Internal transfers between their own TCB Accounts will not count as an excess withdrawal)
Earns Interest - Collected Daily Balance of $500+ or more will earn interest (Rate subject to change daily)
FREE Monthly Paper Statements with Check Images
Personal Checks Available from Harland Clarke (Prices Vary)
Regular Money Market
$50,000 minimum to open account
$50,000 minimum daily balance to avoid a $25 monthly fee
Collected daily balances of $50,000 or more will earn interest
Transactions are limited
Free 3x5 safe deposit box for one year
Free cashier’s checks
Free notary services
Healthcare certificate of deposit
ID theft protection resolution package
Power Savings
Positive Pay
Transfer Funds and Sweeps
Cash Position Reporting
ACH Payments/Direct Deposit
Electronically Collect Customer Payments
Payroll Processing
Balance Alerts
Stop Payments
Wires and Tax Payments
Customize End User Accessibility
Cash Management