The Power of Choice: Our Checking Account Through Their Eyes
Our NEW Checking Accounts are designed with you in mind.
In addition to all the convenient banking features you’ve come to expect from Team One, you’ll enjoy vital new protection for you and your finances, improved identity protection, and helpful ways to save.
Everyday Checking2
A straightforward account with no minimum balance requirements, offering flexibility and fee waivers when you meet simple deposit or balance criteria.
- Unlimited Debit Card transactions
- Access to over 30,000 surcharge-free ATMs through CO-OP Network
- No minimum balance requirements
- No per-check fees
- Online and Mobile account access with Bill Pay
- Overdraft Protection and Courtesy Pay coverage (if qualified)
$2.99 per month fee that will be waived when the Member maintains an average daily balance of $750 in the Savings OR Checking Account, OR has $750 in monthly deposits
Advantage Checking*
A feature-rich account with identity theft protection, credit monitoring, and perks like cell phone and purchase protection. Advantage Checking has all the features of Everyday Checking plus:
- Identity Theft Protection, Support, & Credit Tools
- Cell Phone Protection
- Debit Advantage* including Buyers Protection & Extended Warranty
- Roadside Assistance Services
$4.99 per month fee
Relationship Checking**
The ultimate account offering all the benefits of Advantage Checking plus higher dividends on qualifying balances, with a waivable monthly fee for deeper savings potential. All the features of Everyday and Advantage Checking plus:
- 3% Dividend paid on balances between $2,500 - $10,000 WITH 20 debit card swipes over $5
$6.99 per month fee that will be waived when the Member maintains an average daily balance of $2,500 each month in the Checking OR Money Marketing Account AND $1,000 in monthly deposits
Advantage Checking and Relationship Checking include the following benefits:
IMPROVED IDENTITY PROTECTION
You can rest easy knowing that IDProtect®, our identity theft monitoring and resolution service,3 can help better protect your identity.
Identity Theft Expense Reimbursement Coverage4
Receive up to $10,000 to help pay expenses, clear your name, and restore your identity, should you become the victim of identity fraud.
Receive up to $10,000 to help pay expenses, clear your name, and restore your identity, should you become the victim of identity fraud.
Comprehensive Identity Theft Resolution Services
Should you suffer identity theft, a dedicated fraud specialist will help you every step of the way until your identity is restored.
Should you suffer identity theft, a dedicated fraud specialist will help you every step of the way until your identity is restored.
Debit and Credit Card Registration
Register your Credit, Debit and ATM Cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (registration/activation required)
Register your Credit, Debit and ATM Cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (registration/activation required)
Credit File Monitoring
Daily credit file monitoring and automated alerts of key changes to your credit report. (registration/activation required)
Daily credit file monitoring and automated alerts of key changes to your credit report. (registration/activation required)
Credit Report and Score5
Access to credit report and credit score. (registration/activation required)
Access to credit report and credit score. (registration/activation required)
Credit Score Tracker
Receive valuable insight into your credit score.5,6
Receive valuable insight into your credit score.5,6
Identity Monitoring
Monitoring of over 1,000 databases. (registration/activation required)
Monitoring of over 1,000 databases. (registration/activation required)
Dark Web Monitoring
Monitor your personal information on the dark web and receive alerts when your personal information is exposed. (registration/activation required)
Monitor your personal information on the dark web and receive alerts when your personal information is exposed. (registration/activation required)
PROTECTION FROM UNEXPECTED LOSSES
Cell Phone Protection4
Receive up to $800 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims and maximum of $1,000 per eligible account, per 12-month period. Covers up to four phones on a cell phone bill (cell phone bill must be paid through eligible account).
Receive up to $800 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims and maximum of $1,000 per eligible account, per 12-month period. Covers up to four phones on a cell phone bill (cell phone bill must be paid through eligible account).
Debit Advantage®
Buyers Protection4 covers items for 90 days from the date of purchase against accidental breakage, fire or theft. Extended Warranty4 extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years (item(s) must be purchased entirely with eligible account).
Buyers Protection4 covers items for 90 days from the date of purchase against accidental breakage, fire or theft. Extended Warranty4 extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years (item(s) must be purchased entirely with eligible account).
Roadside Assistance4
24-hour coverage for roadside assistance services including vehicle towing; fuel, oil, and water delivery; battery, lock-out, and tire assistance up to $100 per occurrence. Maximum of two occurrences per 12-month period.
24-hour coverage for roadside assistance services including vehicle towing; fuel, oil, and water delivery; battery, lock-out, and tire assistance up to $100 per occurrence. Maximum of two occurrences per 12-month period.
Access your Team One Checking benefits:
or call 1-866-210-0361 for further assistance.
Additional checking account features:
Direct Deposit
Direct Deposit makes depositing hands free
With Direct Deposit, you arrange to send your entire net pay, Social Security or pension check directly to the credit union each payday. It's fast, safe and easy! Direct Deposit gives you the security of knowing your money is automatically deposited into your Team One account(s). It can even be automatically divided among different accounts based on your direction. You'll have immediate access to your money without waiting in line.
To begin enjoying the convenience of direct deposit, simply give your Payroll Department our routing/transit number (272484470), and your Team One account number, or provide them with a voided check and tell them you would like Direct Deposit with Team One.
If you receive Social Security payments, you can sign up to have these payments direct deposited into your Team One account by visiting godirect.org or calling 1-800-772-1213.
Reminder: Please use your account number for any direct deposits or automatic debits.
Payroll Deduction
Save Effortlessly with Payroll Deduction
With Payroll Deduction you authorize your employer to send part of your paycheck directly to the credit union each payday. Your deposit can be divided into any of your accounts or used to make loan payments at your discretion. Payroll deduction encourages you to save effortlessly by having the funds deducted right out of your paycheck.
All you need to get started is to provide your payroll provider with Team One's routing/transit number (272484470) and your appropriate TOCU account number.
Account Number Format
New Security for Checks
For your security, the next time you order paper checks, your account number will no longer appear at the bottom of your checks. It will be replaced with a MICR number that links to your Checking Account. (See B in the sample check image below.)
This new MICR number works the same for check clearing, direct deposit and automated debits that may come out of your account.
We have taken this proactive step to help protect our Members in the event that their checkbook is lost or stolen. If in the event that your checkbook is lost/stolen, your MICR number can be changed instead of having to change your whole account number.
Courtesy Pay
Team One CU knows that unforeseen expenses come up that may leave you short on funds. Our Courtesy Pay Program can help.
Courtesy Pay provides overdraft protection when the available balance in your Checking Account is insufficient to cover a transaction. There is no fee to enroll and with a Team One Checking Account, you're automatically enrolled for electronic transactions (ACH) and checks. If you want the same coverage for your everyday (non-recurring) Debit Card transactions, opt in to Courtesy Pay for Everyday Debit Card Transactions. For more information about Courtesy Pay for Everyday Debit Card Transactions, and to opt in, click here.
Eligibility: You will be eligible for our Courtesy Pay program if you have an eligible account type and if you maintain your account in good standing. Maintaining your account in good standing includes, among other requirements, the following:
- You are not in default on any loan obligation to us;
- You bring your account to a positive balance at least once every thirty days; and
- Your account is not the subject of any legal or administrative order or levy.
Courtesy Pay is a program extended at our discretion. We may refuse to pay an overdraft for you at any time without prior notice, reason or cause, even though your account is in good standing and even though we previously paid overdrafts for you. We reserve the right to exclude you from the Courtesy Pay program at any time and for any reason, including for what we believe to be excessive use of Courtesy Pay.
To learn more about these plans, call us at 888-288-3261.
*Must qualify for Courtesy Pay.
Seniors 65+ get 1 fee box of checks with our Advantage and Relationship Checking Accounts.
*A $4.99 monthly fee applies.
**A $6.99 fee applies
1 Dividend requirements: 20 debit swipes over $5. Dividend is capped at $10,000 balance. Subject to change, please refer to teamonecu.org/rates for details.
2 Your Everyday Checking will have a low monthly fee of $2.99 that is easily waivable by maintaining an average daily balance of $750 in the Savings OR Checking Account OR by having $750 in monthly deposits.
3 Benefits are available to personal Checking Account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.
4 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document. Insurance products are not insured by the NCUA or any federal government agency, not a deposit of or guaranteed by the credit union or any credit union affiliate.
5 You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is a VantageScore 3.0 based on TransUnion data. Third parties may use a different type of credit score to assess your creditworthiness.
6 Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.
**A $6.99 fee applies
1 Dividend requirements: 20 debit swipes over $5. Dividend is capped at $10,000 balance. Subject to change, please refer to teamonecu.org/rates for details.
2 Your Everyday Checking will have a low monthly fee of $2.99 that is easily waivable by maintaining an average daily balance of $750 in the Savings OR Checking Account OR by having $750 in monthly deposits.
3 Benefits are available to personal Checking Account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.
4 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document. Insurance products are not insured by the NCUA or any federal government agency, not a deposit of or guaranteed by the credit union or any credit union affiliate.
5 You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is a VantageScore 3.0 based on TransUnion data. Third parties may use a different type of credit score to assess your creditworthiness.
6 Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.