Totally Free Checking
No monthly service charge ever!
Totally Free Checking is our FREE checking account designed to be EASY & CONVENIENT and provide services to fit your busy lifestyle.
Features:
- Minimum $10 opening deposit
- No minimum balance requirements
- Reduced overdraft fees with Loyal Home accounts
- FREE withdrawals/deposits at NCCU offices
- FREE Home Banking
- FREE e-Statements
- FREE Paper Statements
- FREE Mobile App
- FREE Mobile Check Deposit
- FREE VISA® Debit Card
- FREE Card Valet to control your Card
- FREE BillPay services
- FREE Financial Calculators
- FREE Notary Public Service
- FREE Overdraft Transfer Protection option
- Access to ATMs Worldwide
- Direct Deposits are typically credited up to 2 days early
- Wire Transfers
- Fax Services
- Courtesy Pay Overdraft Privilege when requirements are met
- Immediate credit on most deposits
- Automatic Payroll Deductions
Money Market Checking
This account earns awesome interest and has NO monthly service fee when minimum balance requirement is met!
Our money market account has been designed to give you a high yield account that will allow you access to your funds as you need them. Money market deposit accounts offer many of the same services as checking accounts but are investment-like in earnings and have slightly limited transactions.
Features:
- Use Money Market checks at NCCU offices for cash withdrawals from the account
- Use Money Market checks to make purchases or pay bills
- FREE Home Banking
- FREE e-Statements
- FREE Mobile App
- FREE Mobile Check Deposit
- FREE BillPay service
- FREE Financial Calculators
- FREE Notary Public Service
- FREE Transfers
- FREE Account Alerts
- Direct Deposits are typically credited up to 2 days early
- Wire Transfers
- Fax Services
- Immediate credit on most deposits
- Automatic Payroll Deductions
- Write up to 6 checks per month with no fee
- No monthly service charge when you maintain a minimum daily balance of $2,500
Money Market Rates
(As of 6/30/2023)
Below $10,000 0.75% APY
$10,000-$24,999.99 0.80% APY
$25,000 – $49,999.99 0.90% APY
$50,000- $99,999.99 1.00% APY
$100,000-$199,999.99 1.20% APY
$200,000 & up 1.30% APY
Platinum Elite Checking
Earn Certificate Account-like interest on your account! Dividends like an investment account with the convenience of a checking account.
Features:
- Balance up to $5,000 earns 2.50% APY & Dividend Rate
- Balance of $5,001 & up earns 1.50% APY & Dividend Rate
- .25% consumer loan rate discount (not for real estate loans)
- .20% interest rate bump-up for Certificate Accounts (not for IRAs)
- FREE withdrawals/deposits at NCCU offices
- FREE Home Banking
- FREE e-Statements
- FREE Mobile App
- FREE Mobile Check Deposit
- FREE VISA® Debit Card
- FREE Card Valet to control your Card
- FREE BillPay services
- FREE Financial Calculators
- FREE Notary Public Service
- FREE Transfers
- FREE Account Alerts
- Access to ATMs Worldwide
- Direct Deposits are typically credited up to 2 days early
- Wire Transfers
- Fax Services
- Free Overdraft Pay Transfer Protection option
- Courtesy Pay Overdraft Privilege when requirements are met
- Immediate credit on most deposits
- Automatic Payroll Deductions
Qualifications:
15 POS transactions each month totaling at least $200
Maintain direct deposit with us
Receive your account statements electronically
Maintain $1000 balance to earn dividends each month
Minimum Opening Balance is $1000
One Platinum Elite account per household
Teen Checking/Debit Card Account
Achieve Your Financial Independence – discover the importance of managing your own checking (debit card) account!
The Teen Checking Account at NCCU is designed for young people who want the convenience and security of having a VISA debit card to make purchases and ATM withdrawals, while learning about responsible saving and spending. Teens can order paper checks if they like, or, can simply use their Instant Issue Visa debit card to access their cash, buy at stores or online, and for convenient spending on the go.
Features:
- No minimum balance or monthly service charge
- FREE withdrawals/deposits at NCCU offices
- FREE Home Banking
- FREE e-Statements
- FREE Mobile Banking service
- FREE Mobile Deposit
- FREE VISA® Debit Card
- FREE Card Valet to control your Card
- FREE BillPay services
- FREE Financial Calculators
- FREE Notary Public Service
- FREE Transfers
- FREE Account Alerts
- ATM Access
- Direct Deposits are typically credited up to 2 days early
- Wire Transfers
- Fax Services
- FREE Overdraft Transfers from your accounts
- Immediate credit on most deposits
- Automatic payroll deductions
Courtesy Pay Overdraft Privilege is not available on this account. ATM/POS daily withdrawal limits apply. Parent/guardian signed consent agreement is required for this account.
Instant Issue Debit Cards
You expect immediate solutions. So do we.
That’s why we offer Instant Issue Visa Debit Cards. Just walk in, open an account or request a new debit card, and walk out with the new debit card in-hand…instantly at our Elizabethton locations, usually the next business day at our other locations. No more waiting to receive a card in the mail; no more inconvenience of carrying cash or checks until replacement cards are received. NCCU has a gallery with hundreds of images to choose from, or use your own image for card printing. You can have your favorite photo as your debit card image.
To get your card from the Main office, email your pic to JWW@BeMyCU.org and we’ll upload it to make you a custom debit card. For the 19E location, send your pic to 19E@BeMyCU.org. For the Johnson City location, send your photo to JC@BeMyCU.org. For the Roan Mountain location, send your photos to RM@bemycu.org.
To ensure that we receive your image, please follow up with a phone call to the location where you sent your photo.
Enjoy these benefits:
- Receive a debit card the day you open a new account
- Replace a lost or stolen debit card with a visit to our Elizabethton offices
- Come get your new debit card & show it off to your friends! Plus, you don’t have to wait for your card to expire – change the card style anytime you like. Want to view the gallery before you come in? Just call us to get a password to view hundreds of stock images online!
Round Up Program
NCCU’s Round Up Program is a simple way to make everyday purchases part of your savings plan, and it’s as easy as 1-2-3.
- Enroll in our Round Up Program
- Shop using your NCCU Debit Card for your everyday purchases
- We will round up your purchase to the nearest dollar and transfer the change from your checking account to the enrolled savings account.
Check Reordering Made Easy
Click a link below to reorder checks for your NCCU checking account, or call us for assistance.
- Harland Clarke
Choose from several check styles!As low as $16.85 for 60 singles and $17.35 for 60 duplicates.
Buy Local Spend Local
Our Buy Local, Spend Local program is our way of supporting small businesses in Carter County! Look for the Buy Local, Spend local sticker in your favorite shop’s window or storefront, use your NCCU Visa Debit Card to make a purchase, and you could have a chance to have your purchase reimbursed up to $25 by NCCU! For a list of participating businesses, and for more information click here.
Courtesy Pay Overdraft Privilege
In the event an account is overdrawn, members eligible for and enrolled in Courtesy Pay may choose not to have their transactions denied.
An account may show a negative balance because funds are not available, however, the cost of the transaction may be covered as though funds were available (up to a predetermined limit) using Courtesy Pay Overdraft Privilege, for a fee. This is an optional service and members are responsible for covering the transaction and fee as soon as possible.
Members are enrolled in Courtesy Pay 6 months after opening and when a checking account is in good standing. Members may opt out in writing to the attention of Accounting at our Main Office at any time. This service is designed for occasional use and can be revoked by NCCU for any reason at any time.
Fees for Courtesy Pay are $30 each time presented using the privilege. Loyal Home Rewards members are charged $27 per item. Members can’t use Courtesy Pay for in-branch cash withdrawals.
For more information about this convenient service, please contact a staff member at any of our offices.
Free Overdraft Transfer Protection
When you sign up for overdraft transfer protection, use money you have on deposit in your other accounts to protect against overdrafts. If you have funds available in a connected account and have signed up to use your other account(s) as extra ‘coverage’, you could avoid overdraft fees – after all, you’re using your own money to cover your purchases. An overdraft can occur when more money is spent than is available on deposit in the checking account, so setting up a ‘backup’ account can help avoid overdrawing your checking account and paying extra fees.
The overdraft transfer protection program will transfer money from a designated connected account to the checking account when funds are available for withdrawal. Overdraft transfer protection works with checks, debit card transactions, and electronic payments.
For more information, contact any of our offices.