Checking Accounts to Fit Your Lifestyle

Included with All Checking Accounts:
✓ Thousands of Surcharge-Free ATMs
✓ Deposits Insured by NCUA
✓ Free Online & Mobile Banking

Tulsa Federal Credit Union

Free Checking

Free Features & Benefits

  • No Minimum Balance
  • Free Credit Score & Monitoring
  • Cash Back Rewards
  • Free Debit Card
  • No Monthly Service Fee with eStatementsB.7
  • Overdraft Services B.3
I Want Free CheckingLearn About Cash Back


Shop. Save. Protect.

  • All Free Checking Features
  • Tulsa FCU Rewards App Exclusive Access
  • Up to $800 Cellphone Protection
  • Local & National Discounts
  • ID Theft Aid
  • Roadside Assistance
  • $6 Monthly Service Fee
    (Eligible for $2/month discount)B.5
I Want RewardsLearn More About Rewards

Interest Rewards

Earn Both Interest and Rewards

  • All Free Checking & Rewards Checking Features
  • Earn More with Dividends
  • Eligible for a Discount on Fixed Loans
  • $8 Monthly Service Fee
    (Waived Fee With Combined Balance of $5,000+)B.6
I Want Interest & RewardsLearn More About Rewards

More Checking Options

Teen Checking

Ages 13 – 21

  • Parents can Monitor Accounts Online
  • Earns Dividends
  • In-Branch Financial Education Available
  • No Monthly Service Fee with eStatementsB.7
I Want Teen Checking
New Beginnings

New Beginnings

A Fresh Start

  • Graduate to Free Checking after 12 monthsB.4
I Want New Beginnings

Federally Insured by NCUA

Each depositor is federally insured by the National Credit Union Association up to $250,000.

I Want to Know More

Surcharge-Free ATMs from TransFund

With thousands of TransFund ATMs across Oklahoma, you're never far from a surcharge-free ATM.

ATM Locator

Secure eStatements

eStatements are a free and easy way to be organized and clutter-free by delivering a digital statement to your secure online/mobile banking account.

Sign Up For eStatements

Two Ways to Get Rewarded

Purchase Rewards

Cash Back Rewards

Cash Back Rewards turns your Tulsa FCU debit card into a multi-store rewards card that earns cash back online as well. Best of all, it's free with every Tulsa FCU checking account. Log in to Online Banking to start claiming your cash back.

Tell Me More

Tulsa FCU Rewards App

Rewards and Interest Rewards account holders get access to our Tulsa FCU Rewards App. Tulsa FCU Rewards will do more than just save you money. It can also help protect your smartphone, your identity, and your family.

How Does it Work?

Free Visa® Debit Card

The power of Visa® with the personal touch of Tulsa FCU.

I Want to Know More

Overdraft Services

Three Options - Overdraft Transfer, NuPal, and Courtesy Pay B3 - to protect you against the occasional overdraft.

Explore Overdraft Services

Checking Rates

+Interest Rewards Checking$1,000 to $9,999.99$25.00$1,0000.05%0.05%
  • Account TypeInterest Rewards Checking
  • Balance Tier$1,000 to $9,999.99
  • Minimum Opening Deposit $25.00
  • Minimum to Earn Dividends$1,000
  • Dividend RateA.10.05%
  • Annual Percentage YieldA.1 ("APY")0.05%
+$10,000 to $49,999.99$25.000.10%0.10%
  • Account Type
  • Balance Tier$10,000 to $49,999.99
  • Minimum Opening Deposit $25.00
  • Minimum to Earn Dividends
  • Dividend RateA.10.10%
  • Annual Percentage YieldA.1 ("APY")0.10%
+$50,000 and up$25.000.15%0.15%
  • Account Type
  • Balance Tier$50,000 and up
  • Minimum Opening Deposit $25.00
  • Minimum to Earn Dividends
  • Dividend RateA.10.15%
  • Annual Percentage YieldA.1 ("APY")0.15%
+Teen Checking $500 and up$25.00$5000.05%0.05%
  • Account TypeTeen Checking
  • Balance Tier$500 and up
  • Minimum Opening Deposit $25.00
  • Minimum to Earn Dividends$500
  • Dividend RateA.10.05%
  • Annual Percentage YieldA.1 ("APY")0.05%
 Account TypeBalance TierMinimum Opening Deposit Minimum to Earn DividendsDividend RateA.1Annual Percentage YieldA.1 ("APY")

A.1Rates are variable and may change after the account is opened. Fees could reduce earnings. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200.

Debit Cards

Fast, Flexible, Personalized, and Secure Debit Cards

View debit card
Online Banking

Online Banking

Free with Tulsa FCU Checking Accounts

View online banking
Mobile Banking

Mobile Banking

Tulsa FCU Mobile allows you immediate and secure online access to your accounts, anywhere, anytime. Manages your finances, budget, bills, and much more—all from one convenient app.

View mobile banking

Checking Made Simple

Checking accounts created to meet your needs without the hassle.

A.1Rates are variable and may change after the account is opened. Fees could reduce earnings. B.3Courtesy Pay is a discretionary overdraft service available on eligible checking accounts and is not a right or obligation. Courtesy Pay applies to a variety of transactions including checks and other transactions made using your checking account number, in-person transactions, bill payments, ATM and debit card transactions and other electronic means. However, we will not include ATM and everyday debit card transactions within Courtesy Pay without first receiving your affirmative consent to do so. Courtesy Pay is offered in anticipation that you will be making an immediate deposit to bring your account positive. You may opt-out of the service at any time including the optional affirmative consent for ATM and Debit card transactions. We reserve the right to refuse to provide this service at any time or from time to time on any account without notice. Courtesy Pay/Overdraft Fee is $30.00 per item and may be waived for transactions resulting in a negative balance of $5.00 or less.

B.4To Graduate to Free Checking After 12 Months, all accounts must be in good standing.B.5$6.00 monthly fee for Rewards Checking. Complete 20 debit card transactions per month to receive $2 off the monthly fee. $25 minimum opening deposit.B.6$8.00 monthly fee for Rewards Checking. You must maintain a minimum combined average monthly balance of $,5,000.00 to avoid a monthly service charge. The combined average monthly balance includes the balances in the Primary Savings account, checking accounts, money markets, and Special 4 accounts under this member number. If, during any month, your combined average monthly balance falls below the minimum, your account will be subject to a monthly service charge of $8.00 for that month. You must maintain a minimum daily balance of $1,000.00 in your account each day to obtain the disclosed APY. B.7$2 per month fee if receiving paper statements – waived if on e-StatementsS.1This offer applies only to the qualified loan. Skip-A-Pay is not offered on mortgages or open-end credit including credit cards and NuPals. “You” or “your” means any borrower signed on the loan. You understand that interest will continue to accrue on your outstanding balance during this time and the term of your loan may be extended. An extension of loan terms may not extend Guaranteed Auto Protection (“GAP”), accident, life, disability or other insurance or warranty coverage. Such policies may be nullified by taking advantage of this offer. Please refer to your policy or contract for information.

Federally insured to at least $250,000 by NCUA. Learn more.