Rewards Checking Accounts

Checking Accounts

TFCU is proud to offer a collection of Checking Accounts to fit your lifestyle. In addition, you’ll have access to convenient services which give you quick and easy access to your money such as Instant Issue debit cards and Person-To-Person Payments!

Use the chart below to find the Checking Account that’s right for you:

1Monthly maintenance fee waived if direct deposit occurs with a minimum of $50 at least once per month.
2No monthly maintenance fee for students age 18-25. When age requirement is no longer met, a $6.95 fee will be imposed. You may contact TFCU prior to this occurrence to update your Checking Account preference.
3Bill Pay is offered at no charge provided at least one transaction is processed per month, otherwise a $4.95 fee will be imposed.
4TFCU’s Mobile Deposit is offered free, however data usage fees may be incurred from your carrier.
5Select Styles only.
6TFCU will not charge fees for utilizing foreign ATMs, however, you may still incur a fee from the ATM owner. 


Second Chance Checking Account

If you have a less-than-perfect financial past, TFCU is proud to offer you the opportunity to get back into banking with our Second Chance Checking account.1 You’ll be able to rebuild and get back on your financial feet in no time!

We can even help you pay off balances owed to your previous financial institution through our Community Development Loan Program!2

After 12 months in good standing, you will be eligible to upgrade to one of our Rewards Checking Accounts. At that time, you’ll be able to take advantage of additional products & services!

Click here to learn about the features & requirements of our Second Chance Checking Account.

To get started, speak with a Member Service Representative to check your eligibility by visiting one of our branches or call (508) 824-6466!

1TFCU may not qualify an applicant for a Second Chance Checking Account if the applicant has significant ChexSystems history. A Second Chance Checking can be opened only if the member currently owes less than $600 to other financial institutions. Second Chance Checking is subject to TFCU’s standard deposit policies and fees. The account may be closed at anytime for any reason, including but not limited to overdrafts or fraud. 2See Community Developement Loan program for details. Maximum loan amount of $600.



Person-To-Person Payments (P2P)

Did you know that you can use your TFCU Account with your favorite person to person mobile payment app? Link your TFCU account or debit card using your preferred app, such as

  • Venmo
  • Apple Pay Cash
  • Facebook Messenger
  • Google Pay
  • PayPal Cash
  • Snapcash
  • Square Cash App

and you’ll be able to send money electronically to anyone, anytime!

If you’re enrolled in TFCU’s Bill Pay service, you can also pay someone via E-mail, Direct Deposit or Check!

P2P apps are not monitored or provided by Tauton Federal Credit Union and member must agree to the terms & conditions of the app provider they choose. Standard message and data rates may apply. Venmo is a service of PayPal, Inc., and Cash App is a service of Square, Inc.


Instant Issue Debit Card

When you open a new TFCU Checking Account, you’ll receive your new VISA® Debit Card instantly! You can begin accessing the funds in your checking account as soon as you leave our branch. This no-cost benefit is only available when you open one of our Checking Accounts.

There is no charge for an Instant Issue Debit Card when you open a new TFCU checking account. For fees associated with lost, stolen or damaged debit cards, please refer to our Fee Schedule.


Debit Card Round-Up

This program allows you to use your Debit Card to make everyday purchases and have the change rounded up on the transaction to the nearest whole dollar. The difference will automatically transfer from your Checking Account to your Savings Account at the end of each business day! Saving has never been so easy! Ask a representative for more information and enroll today!

Debit Card Roundup transfers are eligible for Debit Card purchases only. Transfers will occur on the same day the transaction is posted to your Checking Account. Once enrolled, transfers will begin to post on the next business day. Purchases made on weekends or holidays will post on the next business day. If on a business day you do not have sufficient available funds in your Checking Account, or if any transaction has overdrawn your Checking Account, TFCU will not round up purchases posted on that business day and will cancel the transfer for that day. If your Debit Card purchase is subsequently cancelled or reversed, the Debit Card Roundup transfer remains in the savings account. Not available on Business Accounts.


Apple Pay™

Pay for purchases in an easy, secure and private way right from your iPhone wherever you see the Apple PayTM logo! To get started, simply add your TFCU debit card to your Apple PayTM account via your Wallet app. To use Apple PayTM, you will need an iPhone 6 or later. Ask a representative today for more information or visit

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay™ is a trademark of Apple, Inc.


Overdraft Advance

Overdraft Advance is a product offered by Taunton Federal Credit Union to provide overdraft protection on our Member’s Checking Accounts. This product provides members with the comfort and convenience of knowing a draft presented for payment will not be returned. The account remains in good standing if all charges and fees are paid current within 30 days of the overdraft. A qualified member can be enrolled for the product at no cost. This is a “pay as you use” product and no fees are charged until an overdraft occurs.

You may opt out of this product at any time by speaking with a Member Service Representative. If you elect to opt out of the Overdraft Advance Product, future overdrafts will not be covered. Items presented for payment will be returned and the applicable Non-Sufficient Funds charges will be assessed.

Overdraft Advance is a non-contractual discretionary service offered by TFCU that may cover a transaction when sufficient funds are not available up to an established limit. A $30.00 fee will be charged for the payment of each overdraft item. Overdraft Advance covers checks and other preauthorized debits including, if you decide to opt-in, ATM and Debit card transactions. All overdraft balances must be repaid within 30 days of overdrawing the account. Members who are 18 years or older and have had an account in good-standing with TFCU for at least 90 days are eligible to participate in the Overdraft Advance program. Second Chance Checking Accounts are not eligible for Overdraft Advance Program. The payment of overdrafts is discretionary and TFCU reserves the right not to pay overdrafts and to discontinue a member’s participation in the program. Please refer to additional information and disclosures on your Overdraft Advance election form.


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