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.

Classic Checking*

  • 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

Deluxe Checking*

  • 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

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 funds 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 an 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 up 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.

*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.