Checking Account

1	Click here, choose either “New to TLC” or “Already a Member” and then fill out and complete the online application.
2	Visit a TLC Community Credit Union branch during business hours and work with a representative to fill out the account application.
3	Call us at 517-263-9120 and have your personal information ready to speak with a representative.

 

Frequently Asked Questions

 

Ready to get started?

Open Your Account Online Now

 

Or call (517) 263-9210 or visit your local branch.

 

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_{Copyright 2024 TLC Community Credit Union. All rights reserved.
NMLS #: 401781
Routing #: 272485291
TLC Community Credit Union is located at 3030 S. Adrian Highway, Adrian, MI 49221.}

_{All account applications are subject to approval. Must be 18 or older to open an account. Federally Insured by NCUA.}

_{¹ $50.00 minimum deposit required to open the account.}

_{² Membership required. Membership is open to those who live, work, or worship in Lenawee, Monroe, Hillsdale, Jackson, and Washtenaw Counties in Michigan. You must become a member, if you aren't already, by applying for membership along with opening your new account online or in-person by opening a share savings account with a $5.00 minimum initial deposit with the credit union to establish membership.}

_{³ Paper statements can be issued for a fee of $3.00/month excluding members 65 and older, who are exempt from the fee. eStatements are free. Duplicate statement fee of $3.00.}

_{⁴ Account fees may apply. Starter checks (12 total) fee of $2.00. Check copies fee of $2.00 per check copy. Cashier's check fee of $1.00. Deposited Checks Returned NSF (Non-Sufficient Funds) fee of $10.00. Returned item fee of $10.00. Transfer from savings fee of $3.00. Early account closing fee of $5.00 assessed on accounts closed within six (6) months of opening date. $28.00 overdraft fee.}

_{5 Overdrafts: $28.00 overdraft fee. If, on any day, the available balance in your share or deposit account is not sufficient to pay the full amount of a check, draft, transaction, or other item, plus any applicable fee, that is posted to your account, we may return the item or pay it. We do not have to notify you if your account does not have a sufficient available balance in order to pay an item. Your account may be subject to a $28.00 fee for each item regardless of whether we pay or return the item. We may charge a $28.00 fee each time an item is submitted or resubmitted for payment; therefore, you may be assessed more than one fee as a result of a returned item and resubmission(s) of the returned item. We offer standard overdraft services, and this service allows us to authorize payment for the following types of transactions regardless of whether your share or deposit account has sufficient funds: (1) share drafts/checks and other transactions made using your checking account; (2) automatic bill payments; (3) and ACH transactions. For ATM and one-time debit card transactions, you must affirmatively consent to such coverage. Without your consent, the Credit Union may not authorize and pay an ATM or one-time debit card transaction that will result in insufficient funds in your account. If you have established a service linking your share or deposit account with other individual or joint accounts, you authorize us to transfer funds from another account of yours to cover an insufficient item, including transfers from a share or deposit account, an overdraft line-of-credit account, or other account you so designate. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay such items that result in an insufficiency of funds in your account, we do not agree to pay them in the future and may discontinue coverage at any time without notice. If we pay these items or impose a $28.00 fee that results in insufficient funds in your account, you agree to pay the insufficient amount, including the fee assessed by us, in accordance with our standard overdraft services or in accordance with our overdraft payment policy, as applicable.}

_{⁶ Access to 30,000 free ATMs through the CO-OP ATM Network.}

_{⁷ Federally Insured by the National Credit Union Association (NCUA). Your savings are federally insured to at least $250,000 by NCUA and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.}

_{This web site, https://www.tlccu.org/, is the only authorized web site of TLC Community Credit Union.}

_{This website strives to comply with the best practices and standards as defined by Section 508 of the U.S. Rehabilitation Act and level AA of the Worldwide Web Consortium (W3C) Web Content Accessibility Guidelines 2.0. If you experience trouble accessing this website or would like to share feedback, please contact us at 517-263-9120.}

_{TLC Community Credit Union's services and products are directed to members residing in the United States.}

_{Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google and Google Play and the logos are a trademark of Google Inc.}

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