Checking accounts
When you bank with Thrivent Credit Union, you choose the checking option that meets your needs, from free benefits to special features.
Simply Checking
Meet your basic checking needs with this simple account.
Base features:
Base features:
- No minimum balance, no monthly fees
- Free overdraft protection from line of credit1, savings2 or money market2
- Mastercard® contactless debit card
- Access to nationwide
networks of surcharge-free ATMs - Digital banking with check deposit and bill pay
- RoundUP eligible
- ATM fees reimbursed on first 4 withdrawals each month3
Thrivent Merit Checking
Enhance your checking and earn even more benefits with this dynamic account.
Learn more
Already have a TCU personal checking account?
Call 855-228-7910 to switch.
- Includes base features of Simply Checking
Base APY
A much higher APY 5- ATM fees reimbursed up to $20 each month6
Already have a TCU personal checking account?
Call 855-228-7910 to switch.
Simply Checking
Meet your basic checking needs with this simple account.
Base features:
Base features:
- No minimum balance, no monthly fees
- Free overdraft protection from line of credit1, savings2 or money market2
- Mastercard® contactless debit card
- Access to nationwide
networks of surcharge-free ATMs - Digital banking with check deposit and bill pay
- RoundUP eligible
- ATM fees reimbursed on first 4 withdrawals each month3
Thrivent Merit Checking
Enhance your checking and earn even more benefits with this dynamic account.
Learn more
Already have a TCU personal checking account?
Call 855-228-7910 to switch.
- Includes base features of Simply Checking
Base APY
A much higher APY 5- ATM fees reimbursed up to $20 each month6
Already have a TCU personal checking account?
Call 855-228-7910 to switch.
With members as owners, we are intentional about eliminating unnecessary fees and protecting your money. See our full service fee brochure .
Open an account
Bring balance to your spending with a checking account from TCU.
Turn extra change into meaningful savings with our new RoundUP tool. Every time you swipe your TCU debit card,7 your purchase will "round up" to the nearest dollar and we'll put the change into a savings account of your choice. The best part is that it's free and gives you the opportunity to save hundreds more a year.
It's easy to get started:
It's easy to get started:
- Add the feature to your checking account through our digital banking portal found online and in our mobile app.8
- Have your account numbers ready, review, and agree to the terms and conditions easily
online . If you need assistance with your checking or savings account numbers, please call us at 866-226-5225. - Watch for one comprehensive deposit, each business day, from your checking account straight to your savings account with your RoundUP total.9
1 Line of credit is subject to credit application, qualification and approval.
2 Overdraft protection made in $100 increments.
3 Four (4) free ATM withdrawals per month; for each ATM withdrawal after 4, $1 fee. Plus, reimbursement of the first four (4) ATM owner fees per month; after 4 you will pay any ATM owner fees.
Automatic ATM fee reimbursement applies to domestic ATM transactions. International ATM transactions are subject to an international surcharge applied by MasterCard that is not reimbursable by TFCU. International ATM transactions may require the submission of your receipt for reimbursement of the ATM fee if combined with other fees.
4 How to earn the enhanced benefits of a Thrivent Merit Checking account: You may qualify for monthly rewards if you meet the minimum qualification requirements each monthly qualification cycle, defined as the period beginning on the first day of the calendar month and ending on the last business day of the calendar month. During that time, you must a) make 12 or more debit card purchases or POS transactions (PIN-based or signature-based) that post and settle to your account before 6:00 pm central time on the last day of the cycle; b) make direct deposits/automatic ACH deposits totaling $500.00 or more OR mobile deposit totaling $500.00 or more; and c) be enrolled in eStatements on the last day of the cycle. Purchases or POS transactions made after 6:00 pm central time on the last business day of the calendar month, will post and settle to your account the following month. Debit card transactions may take one or more business days from the date the transaction was made to post and settle to an account. Transfers between internal accounts do not count as direct deposits/automatic ACH deposits. Limit of one Thrivent Merit Checking per primary owner.
5 For the current Annual Percentage Yield (APY) of the Thrivent Merit Checking account,view our rates page . If minimum qualification requirements are met each monthly qualification cycle, see the table labeled “Thrivent Merit Checking – Qualifications met.” If minimum qualification requirements are not met each monthly qualification cycle, see the table labeled “Thrivent Merit Checking – Qualifications not met.” Fees could reduce earnings. Rates may change after the account is opened.
6 If minimum qualification requirements are met each monthly qualification cycle, ATM fees incurred during the cycle will be reimbursed up to $20. If minimum qualification requirements are not met each monthly qualification cycle, ATM fees will not be reimbursed. Automatic ATM fee reimbursement applies to domestic ATM transactions. International ATM transactions are subject to an international surcharge applied by MasterCard that is not reimbursable by TCU. International ATM transactions may require the submission of your receipt for reimbursement of the ATM fee if combined with other fees.
7 This feature is only available with personal checking accounts.
8 Must be previously enrolled in digital banking. If not enrolled,sign up here . It may take up to 48 hours for your enrollment in RoundUP to take effect.
9 Deposits for transactions made on Saturday, Sunday or a Federal Holiday will post on the following business day.
2 Overdraft protection made in $100 increments.
3 Four (4) free ATM withdrawals per month; for each ATM withdrawal after 4, $1 fee. Plus, reimbursement of the first four (4) ATM owner fees per month; after 4 you will pay any ATM owner fees.
Automatic ATM fee reimbursement applies to domestic ATM transactions. International ATM transactions are subject to an international surcharge applied by MasterCard that is not reimbursable by TFCU. International ATM transactions may require the submission of your receipt for reimbursement of the ATM fee if combined with other fees.
4 How to earn the enhanced benefits of a Thrivent Merit Checking account: You may qualify for monthly rewards if you meet the minimum qualification requirements each monthly qualification cycle, defined as the period beginning on the first day of the calendar month and ending on the last business day of the calendar month. During that time, you must a) make 12 or more debit card purchases or POS transactions (PIN-based or signature-based) that post and settle to your account before 6:00 pm central time on the last day of the cycle; b) make direct deposits/automatic ACH deposits totaling $500.00 or more OR mobile deposit totaling $500.00 or more; and c) be enrolled in eStatements on the last day of the cycle. Purchases or POS transactions made after 6:00 pm central time on the last business day of the calendar month, will post and settle to your account the following month. Debit card transactions may take one or more business days from the date the transaction was made to post and settle to an account. Transfers between internal accounts do not count as direct deposits/automatic ACH deposits. Limit of one Thrivent Merit Checking per primary owner.
5 For the current Annual Percentage Yield (APY) of the Thrivent Merit Checking account,
6 If minimum qualification requirements are met each monthly qualification cycle, ATM fees incurred during the cycle will be reimbursed up to $20. If minimum qualification requirements are not met each monthly qualification cycle, ATM fees will not be reimbursed. Automatic ATM fee reimbursement applies to domestic ATM transactions. International ATM transactions are subject to an international surcharge applied by MasterCard that is not reimbursable by TCU. International ATM transactions may require the submission of your receipt for reimbursement of the ATM fee if combined with other fees.
7 This feature is only available with personal checking accounts.
8 Must be previously enrolled in digital banking. If not enrolled,
9 Deposits for transactions made on Saturday, Sunday or a Federal Holiday will post on the following business day.