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Tinker FCU Click Checking
in Checking Accounts from Tinker Federal Credit Union
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Tinker FCU Click Checking

Unaffiliated
in Checking Accounts from Tinker Federal Credit Union
Net Recommendation Score 0  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

1 user recommends
0 users are unsure
1 user doesn't recommend
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Highlights
Community Rating

Rating not yet determined  

Cashback Rewards N/A
APY (Annual Percentage Yield) 0.05% - 1.25%
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee Starting at $0

Tinker FCU Click Checking Review

Tinker FCU Click Checking is offered by Tinker Federal Credit Union, a credit union founded in 1946 and based in Oklahoma City, OK. Tinker FCU Click Checking is available in 1 state across the USA.

Key Takeaways

  • Very high APY. This account offers an annual percentage yield of up to 1.25%, which is much higher than the average for a checking account.However, you must keep a minimum balance of $0.01.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • No ATM fees. Tinker FCU Click Checking does not charge fees on ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through Tinker Federal Credit Union.

Tinker Federal Credit Union checking account Pros & Cons

Pros Cons
  • High-interest yield.
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in one state.

Tinker Federal Credit Union checking account FAQ

Are checking accounts from Tinker Federal Credit Union federally insured?

No, your Tinker Federal Credit Union checking accounts are not insured by a federal insurance agency. This means that if Tinker Federal Credit Union were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

What APY does Tinker Federal Credit Union checking account offer?

Tinker Federal Credit Union checking account offers an APY starting at 0.05% and ranging up to 1.25% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep an average beginning day balance of at least $0.01.

Tinker Federal Credit Union checking account Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.05% - 1.25%

What are the account minimums for Tinker Federal Credit Union checking account?

Tinker Federal Credit Union checking account requires a minimum initial deposit of $25 to open an account.

Tinker FCU Click Checking Minimums
Description
Minimum Balance to Earn APY $0.01
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does Tinker Federal Credit Union checking account charge?

The good news is that this account does not have a monthly Service Charge.

Tinker FCU Click Checking Fees
Description
ATM Fee: In-Network $0
Check Cashing Fee $3
Check Copy $5
Debit Card Replacement Fee $0
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0
NSF Fee $22.50
Online Bill Pay Fee $0
Overdraft Item Fee $22.50
Returned Deposit Fee (Domestic) $20
Returned Deposit Fee (International) $20
Stop Payment Fee $22.50
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $10
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $10

Does Tinker Federal Credit Union checking account charge overdraft fees?

Yes, Tinker Federal Credit Union checking account charges a $22.50 fee for every overdraft.

What features and perks does Tinker Federal Credit Union checking account offer?

This account includes the following features:

  • Fraud monitoring - Tinker Federal Credit Union checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Tinker Federal Credit Union checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Tinker Federal Credit Union checking account?

The customer support email for Tinker Federal Credit Union checking account is memberservices@tinkerfcu.org.

How do people rate the customer service and user experience of Tinker Federal Credit Union checking account?

Overall, Tinker Federal Credit Union checking account is mostly recommended based on community reviews that rate customer service and user experience.

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Message From Tinker Federal Credit Union

TFCU has checking account options to fit your life and give you reliable options. TFCU makes it easy with our high-yield checking account. Big dividends, big convenience, in a click. You work hard for your money. That’s why TFCU offers a checking account that’s easy and automatically makes your money work hard for you. Take advantage of our Click Checking — where you can make the most of your “everyday” money by getting a high rate on your checking account balance. To earn a higher Click* rate, simply use the following TFCU services each month.

Contact

About Tinker FCU Click Checking

Availability

  Available in 1 state
Oklahoma
Availabile in all of Oklahoma

Feature Breakdown

Minimum Balance to Earn APY $0.01
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $0
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Monthly Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
Check Cashing Fee $3
Check Copy $5
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $22.50
Overdraft Item Fee $22.50
Returned Deposit Fee (Domestic) $20
Returned Deposit Fee (International) $20
Stop Payment Fee $22.50
Wire Transfer Fee - Domestic (Outgoing) $10
Wire Transfer Fee - International (Outgoing) $10
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Insured by NCUA
  • Branch Access
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.05% - 1.25%

Tinker FCU Click Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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