Last Updated: 01/21/2026
Not enough votes for recommendation
Rating not yet determined2 total votes
Community Recommended Products
View AllSponsored
Strongly recommended105 Reviews
Learn MoreSponsored
Strongly recommended148 Reviews
Learn MoreSponsored
Strongly recommended42 Reviews
Learn MoreCompare All Checking Accounts
Filter & compare all your options in one place.
Highlights
Welcome Offer
Starting at $0(Verified 06/21/2024)
Disclaimer popup with additional information
Rewards
N/A
APY (Annual Percentage Yield)
0.05% - 1.25%(Verified 06/21/2024)
Disclaimer popup with additional information
Monthly Maintenance Fee
$0(Verified 01/21/2026)
Disclaimer popup with additional information
Tinker FCU Click Checking Review
The Tinker FCU Click Checking is offered by Tinker Federal Credit Union, a credit union founded in 1946 and based in Oklahoma City, OK. Tinker Federal Credit Union checking account is available in 1 state.
Key Takeaways
- Up to 1.25% annual percentage yield (APY). This account offers an annual percentage yield of up to 1.25%, which is much higher than the average for the checking accounts that we track However, you must keep a minimum balance of $0.01.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- 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 when you enroll in Tinker Federal Credit Union mobile or online banking.
Tinker Federal Credit Union checking account Pros & Cons
| Pros | Cons |
|
|
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.
| 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0.01 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Tinker Federal Credit Union checking account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $22.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $22.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $22.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Tinker Federal Credit Union checking account charge overdraft fees?
Yes, Tinker Federal Credit Union checking account charges a $22.5 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Tinker Federal Credit Union checking account
Other Services by Tinker Federal Credit Union
Community Recommended Products
View AllSponsored
Strongly recommended105 Reviews
Learn MoreSponsored
Strongly recommended148 Reviews
Learn MoreSponsored
Strongly recommended42 Reviews
Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
0
-1000+100
No one recommends
Everyone recommends
Tinker FCU Click Checking Community Reviews
Would you recommend Tinker FCU Click Checking to your friends?
TS
Tammy S.
Jul 20, 2022
May or may not recommend
If I could give a negative review, I would. We had a car loan with them that we refinanced. However, they insisted that we switch to their GAP insurance (which when I went to the car dealer to cancel the GAP...they warned me to not do so...but the interest rate was lower so we did).
Well, my daughter was in an accident and the car was totalled. The GAP went ...Show More
LC
Leathie C.
May 25, 2021
May or may not recommend
I bank with tinker Federal Credit union would like to use my own account
Showing 2 of 2 reviews
You might also like
Best Checking Accounts
SuperMoney
Checking vs. Savings Account: Which Do You Need?
Andrew Latham
Current Checking Account Rates August 2024
Benjamin Locke