Open Now! Checking

Whatever your needs, we have checking accounts that are right for you. How about a checking account that pays tiered dividends? Want first-time checking accounts for your kids? What about a checking account for a student? At ORNL Federal Credit Union, you'll find checking accounts that make money management easy, provide the features you want, and fit your lifestyle.

Open Now!Classic Checking*

Classic Checking is a cost-efficient way to use your account and maximize earnings based on choices you make regarding the account.

  • Unlimited transactions
  • No service charge if a $700 balance is maintained each month
  • Dividends paid monthly on entire account balance
  • Overdraft Protection upon member's request

Open Now!Deluxe Checking*

Deluxe checking is the premier choice in checking account services. This option provides a way to save money and earn incentives, while managing your account.

  • No charge for money orders, cashier's checks, or standard check orders
  • No minimum balance requirement
  • Dividends paid on the entire balance in the account

Open Now!Value Checking*

  • No minimum balance requirement
  • Unlimited debit card and ATM transactions
  • Online Banking
  • Visa Check Card

Overdraft Protection

Protect yourself and your checking account by enrolling in Overdraft Protection! By automatically transferring funds from a designated source into your checking account, you’ll never have to worry about returned check fees or limited fund availability. Enrollment is not automatic; separate enrollment is required and must be requested by account holder. Ask about it today!

Courtesy Overdraft

If you accidentally overdraw your checking account, relax. When you opt in for Courtesy Overdraft, we've got you covered.

  • Protects you from added merchant fees
  • Saves hassle and embarrassment
  • Safeguards your credit rating
  • Charges on overdraft fee for each item paid

Check Reorders

To reorder checks online you must be logged into Online Banking.

All of our deposit/savings accounts are federally insured for to at least $250,000 by the NCUA. These accounts have various rules, terms, conditions, and even penalties for early withdrawal, please ask for details.

Verified by Visa for your credit card is a secure and easy to use service that gives you added security and extra protection when you pay for anything online.

 

*Certain restrictions apply. Minimum opening deposit of $25.00 required for all checking accounts. $7.00/month service fee for Classic Checking if balance of $700 is not maintained each month. $10/month service fee for Deluxe Checking. A $2.00 paper statement fee applies to all checking accounts. To avoid this fee, simply sign up for free eStatements.