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Checking Accounts


TelComm Credit Union offers a FREE and convenient checking account. Your share draft account acts just like a checking account—you may write drafts anywhere checks are accepted.

  • FREE Checking – no annual fee!
  • FREE TelComm Credit Union debit card accepted at millions of merchants and ATM locations
  • FREE Online Bill Pay
  • FREE Online statements
  • First 12 temporary checks FREE
  • Earn interest on account balances higher than $200.00, compounded monthly paid monthly
  • NO ($0) minimum balance requirement
  • No per-check fees
  • Overdraft Privilege available for those who qualify and opt-in
  • Account access through TelCommCU.com
  • Account access through TCU Mobile
  • Replacement checks can be printed at our office, just 4 for $1
  • Re-order checks online (must have the re-order number from your previous order)
  • Online images of most cleared checks
  • Direct Deposit

*Online Bill Pay is free if you pay 1 bill per month via the electronic bill pay product.

Do you have a checking account with another financial institution and want to move it to TelComm CU? Use the Checking Account Switch Kit to make your transition easier.

  • Contact any Member Service Representative for help with ordering your checks


Overdraft Privilege

Overdraft Privilege is a service which adds a measure of protection to your personal checking account in the event you make a calculating error. Overdraft Privilege may cover your insufficient funds checks up to a specified limit. To utilize this service, member must deposit a minimum of $500.00 each month.

How Does Overdraft Privilege Work?

Overdrafts on your checking account, up to a limit of $500 (including the amount of the overdrawn item or items and the ODP fee may be honored by TelComm). A $25 fee per item will be assessed for each check that brings your account negative. You then have a maximum of 30 days to bring the account current.

What if I already have Overdraft Protection?

If you have established other overdraft protection safeguards, we will always look to those loans or accounts BEFORE activating ODP in order to save you the fee-per-check. Overdraft Privilege does not exist for people with overdraft loans.

Do I have to apply for Overdraft Protection?

Yes, you must apply to opt-in for this service. You must be a member in good standing and regularly maintain a positive balance to be eligible.

Some restrictions may apply on an individual basis. This service is offered at the pleasure of TelComm Credit Union and is not guaranteed to any member. For more information about this service, please contact a Member Service Representative.

Debit Cards

Convenience is essential in our hectic lifestyles. A TelComm Credit Union Debit Card makes purchases and accessing cash much easier.

A debit card withdraws money from your checking account, just like a check, at any place that accepts MasterCard. You use the card just like a credit card—just swipe and sign. Whether at the mall, grocery store or your favorite restaurant, it’s like having Credit Union service in the palm of your hand. TelComm CU strongly encourages members to create a Personal Identification Number (PIN) for both your Debit and Credit Cards as some merchants require PIN numbers and we want everyone to be adequately prepared.

Your debit card also works like an ATM card, giving you access to cash machines worldwide via your PIN. Check your balances or withdraw funds from savings, checking or overdraft accounts (up to $510 daily). For more information about TelComm Credit Union’s ATM network, visit our ATM Page, or during  normal business hours, call 417.886.5355.

To report a lost or stolen debit card call 1.800.472.3272

To learn why a charge was denied after TelComm business hours within the United States, call 1.800.992.3808; if travelling internationally, please call collect 1.636.722.7111. You will be asked your name, phone number and Social Security number for verification.

In case of Emergency contact MasterCard at 1.800.627.8372

Swipe and Sign

When using your plastic cards at merchants, please consider the “Swipe and Sign” option without a PIN number to save yourself time and hassle AND your credit union money in transaction fees. Ultimately a win-win for us all!