Get a checking account with rewards that
are also 100% free.
Keep your money where it belongs – in your pocket. If you want no monthly maintenance fee, no minimum balance requirement, and meaningful rewards on everyday purchases, TEG Federal Credit Union’s truly free checking account is the one for you.
New to TEGFCU?
Already a Member?
Checking Account Benefits at TEGFCU
TEGFCU, we want our members to get the most out of their financial accounts because that’s what it means to be a good neighbor.
- Free 24/7 Digital Banking – See your account snapshot and eDocuments, set up direct deposits, make mobile check deposits, transfer funds, pay bills, manage your cards, and more, anytime…anywhere.
- Free My Credit Score SavvyMoney credit monitoring in digital banking
- 24/7 Customer Support
- Overdraft Protection
Fresh Start Checking
Wish you had a second chance at getting a checking account? If you have been denied by another financial institution for a checking account because of past banking issues, TEGFCU’s Fresh Start Checking may be an option for you. These accounts can help qualified members rebuild a positive checking account history. They have many of the features of our Free Checking Account with just a few additional restrictions. Talk to us today to see if you are eligible
Overdraft Protection Available
Sometimes, mistakes happen. If you don’t have enough in your account to cover a check, debit card transaction, automatic payment, or ATM withdrawal, we offer three convenient options to help prevent your checking account from being overdrawn.
Get the TEGFCU Rewards Debit Mastercard
TEGFCU’s Debit Mastercard makes purchasing safe and convenient.
Features and Benefits
- Global ATM access, including over 30,000 surcharge-free ATMs1
- Microchip technology
- 24/7 fraud monitoring
- Safer than cash or checks
- Compatible with Apple Pay®, Samsung Pay®, and Google Wallet™
- Using your card and PIN, you can make Withdrawals, Deposits, Loan payments, Balance inquiries at any TEG ATM
Debit Rewards Program
Banking is more rewarding when you do it with TEG. When you open a free checking account, you’ll receive a TEGFCU Rewards Debit Mastercard that gives you points toward rewards for everyday debit card purchases.
- Earn and redeem points for valuable travel rewards, gift cards, and more.
- Keep your account safe from fraud with Free Zero Liability Protection.
- Use your debit card anywhere Mastercard is accepted.
CO-OP ATM Network
When you are out and about and need cash, don’t spend your money to get your money. Be sure to use a CO-OP Network ATM, which allows TEGFCU members access to 30,000 surcharge-free ATMs in all 50 states and 10 countries. To find a CO-OP Network ATM, Visit the Co-Op website, Text a zip code to 91989, or call 888-748-3266.
Traveling
If you are going out of town and plan on using your TEGFCU Debit or Credit card, just log in to Digital Banking, go to card management to set up travel notices for each of your cards or contact the Solution Center at 845.452.7323 so we know you are making those out-of-town transactions.
New Auto Loans
See how our auto loan rates can put you in the driver’s seat.
Personal Savings Accounts
A $5 initial deposit opens all the benefits of TEGFCU membership.
Checking & Debit Card FAQs
The USA Patriot Act
Federal law requires all financial institutions to obtain, verify, and record information identifying each person who opens an account to help the government fight the funding of terrorism and money laundering activities.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver’s license or other identifying documents.
Join TEGFCU
At TEGFCU, your best interests have always been our focus. As a better alternative to banks, our mission is simple, to help you get to a better place financially.
Membership is open to anyone (and their immediate families) who lives, works, worships, or attends school in Dutchess, Orange, Ulster, Putnam, Rockland, Sullivan, and Westchester County, NY. A $5 minimum deposit opens the door to all the benefits of being a valued TEGFCU member.
When we come together, everyone grows.
Explore Our Products
New Auto Loans
See how our auto loan rates can put you in the driver’s seat.
Personal Savings Accounts
A $5 initial deposit opens all the benefits of TEGFCU membership.
Credit Cards
With our Platinum Credit Cards, you’ll enjoy low rates and great benefits.
1You will not be charged the fee for your withdrawal that the ATM owner usually charges. However, the $1.50 fee charged by TEGFCU for the use of a foreign ATM still applies. TEGFCU members can make deposits only at TEGFCU ATMs. Foreign ATMs will not accept deposits.
Best bank in the Hudson Valley hands down. Very consumer friendly, customer service is outstanding, and will be a lifelong customer.
