Consumer Checking
This account has a $6.95 Monthly Membership Fee
Choice 50 Gold
$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
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
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
Minimum balance $100.00
Fall below the minimum balance and the monthly fee is $5.00
Minimum balance fee is waived for minors under 18
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)
Interest is compounded quarterly
Interest is credited quarterly
Produces 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
$25 minimum to open account
This account is offered to Active Duty, Retired Veterans and Spouses - Includes Reserves and National Guard
No minimum balance, no monthly fee, no per check or transaction charges
Online Monthly Statements without Check Images
Free Instant Issue Debit Card
Nickel Reward
Refund on ATM Fees
Patriot Choice 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
It is a non-interest savings account
Withdrawals are not allowed, except to close the account.
The payout is in early March of each year.
Payout Balance is required to be transferred to another TCB Checking or Savings Account, which means this account is for TCB Customers only.
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!
Which two accounts offer these extra benefits?
Stop Payments at $25; non-club accounts pay $34.
Instant Issue Debit Card replaced at $7.50; non-club accounts pay $10
Unlimited Mobile Deposits - valued at $.50 per deposit after five per statement!
Gift Card for $2; non-club accounts pay $5
Travel Card for $5; non-club accounts pay $8
Outgoing Wires for $20; non-club accounts pay $25
Choice Gold and Choice 50 Gold
No Minimum Balance
No Minimum Deposit to Open
FREE Monthly Paper Statements with Check Images
Unlimited Transactions
The account is for health costs only
The account will be a “Single Ownership” account by the owner of the Health Insurance plan
Health Savings Account
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
$50,000 minimum to open account and a minimum daily balance to avoid a $25 monthly fee
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
Minimum Daily Balance $2,500 - (When you keep a $2,500 Daily Minimum Balance. You will avoid the $10 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)
TGIF Money Market
$50 minimum to open account
$10 Service Fee, $8 if they set up a Direct Deposit
Unlimited Checking and Transactions
Choice Opportunity Checking
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
Minimum deposit is usually $1,000 but can be up to $10,000.
This account is for a term set by the customer.
This account has a higher interest rate than a normal savings.
This account may have partial withdrawals with a 1% penalty.
Certificate of Deposit (CD)
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.
A teller cannot accept this check until this is cleared.
Cash Management- Positive Pay
Minimum daily balance of $10,000 to avoid a $20 fee.
FREE- Paper Monthly Statements with Check Images
Unlimited Checking and Transactions
Easy Money Investment Checking
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
Earns Interest - Collected Daily Balance of $500+ or more
FREE Monthly Paper Statements with Check Images
Regular 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
Excess Item Fee $10 per item over 6 per month
1 Cashier’s Check per Month at no issue fee
Business Partner Money Market
This account is for a term set by the customer.
This account has a higher interest rate than a normal savings.
An investment account established and maintained for the purpose of providing supplemental retirement income.
Partial withdrawals are allowed, penalties may apply.
Individual Retirement Arrangement (IRA)
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