Last Updated: 01/21/2026
Transit Employees FCU Loyalty Checking Account
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
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Cashback Rewards
N/A
APY (Annual Percentage Yield)
Monthly Service Fee
Transit Employees FCU Loyalty Checking Account Review
Key Takeaways
- Higher than average APY. Transit Employees FCU Loyalty Checking Account has an annual percentage yield of up to 0.20% (depending on balance), which is higher than the national average interest rate on savings accounts.
- Charges a monthly fee. This account charges a monthly fee of $5.00, but the fee may be waived if you keep a minimum balance of$3,000.00.
- Large minimum initial deposit. You need a minimum deposit of $3,000.00 to open an account. This is a relatively large minimum initial deposit when compared to the other accounts that we track.
- No ATM fees. Transit Employees FCU Loyalty Checking Account does not charge fees on ATM transactions within its network but there is a fee ranging between $0.15 and $0.75 for out-of-network ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Transit Employees Federal Credit Union mobile or online banking.
Transit Employees FCU Loyalty Checking Account Pros & Cons
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Transit Employees FCU Loyalty Checking Account FAQ
Are checking accounts from Transit Employees Federal Credit Union federally insured?
What APY does Transit Employees FCU Loyalty Checking Account offer?
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.15% - 0.20% |
What are the account minimums for Transit Employees FCU Loyalty Checking Account?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $3,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $3,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Transit Employees FCU Loyalty Checking Account charge?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $0.15 - $0.75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $40.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $15.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposited Check | $40.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Transit Employees FCU Loyalty Checking Account charge overdraft fees?
Yes, Transit Employees FCU Loyalty Checking Account charges a $30.00 fee for every overdraft.What features and perks does Transit Employees FCU Loyalty Checking Account offer?
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Transit Employees FCU Loyalty Checking Account allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
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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.
Hours of Operation
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Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
N/A
Monthly Service Fee
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
N/A
Monthly Service Fee
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
N/A
Monthly Service Fee
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
Monthly Service Fee
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