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Checking Accounts

Checking

Our checking account offer all the flexibility of a traditional bank, without the monthly charge. Once your account is opened you can withdraw funds by writing checks or make purchased with KTCCU’s MasterCard Debit Card.

Features of the checking account are:

  • A $25.00 minimum opening balance.
  • Must maintain a $2,000 balance to receive a dividend.
  • Dividends are declared and paid quarterly.
  • The average daily balance is the dividend calculation method.
  • The account history can be reviewed in Digital Banking
  • Check images can be viewed in Digital Banking.

Courtesy Pay

Courtesy Pay provides coverage for insufficient transactions, offering up to $500 in total protection for a low fee per covered overdraft. This service is available to all primary checking accounts, provided the following qualifications are met:

  • The account must be open for at least 30 days.
  • The account holder must be 18 years old or older.
  • There must be more than $500 in direct deposits per month.
  • No loan associated with the account can be more than 14 days delinquent.
  • The account cannot carry a negative balance for more than 30 days.

Courtesy Pay is exclusively available for one primary checking account and is not offered on savings accounts or secondary checking accounts. You can opt out of Courtesy Pay at any time by visiting a branch and completing an opt-out form.