Standard Checking

Features that matter to you the most!

We've made choosing a Checking Account simple, convenient and hassle free. We've included the features that matter to you the most like unlimited check writing, unlimited ATM and check card transactions and online banking with bill pay!

Standard Checking Account Includes:
  • Earn ScoreCard Reward Points
  • Dividends on balances of $1,000 or more
  • FREE Personalized Debit Card. Click on the Debit Card tab below for more information.
  • Comprehensive ID theft protection
  • No minimum balance requirements
  • No per check fees
  • Unlimited check writing
  • Online and Mobile account access
  • Detailed monthly statement
  • Overdraft protection and courtesy pay coverage if qualified.
  • Routing Number: 272484470

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.

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 direction. 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.

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.

team one credit union check example
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.

IDProtect for Members

IDProtect® helps to better protect you, your spouse, dependent children up to age 25 and parents living in the same household as the account owner, for any identity fraud event, financial or otherwise, anywhere in the world even if the event has nothing to do with your account at Team One Union.

IDProtect offers:
  • Fully Managed Recovery
  • Identity Theft Expense Reimbursement
  • Monitoring
  • Debit and Credit Card Registration
  • Educational Resources/News Center





You can also enhance your Standard Checking account with either our eChecking or Relationship Rewards Checking account for added rewards. Learn more!


Our debit cards can be used for cash withdrawals and deposits, check account balances and more.