APY
0.20%
As of Nov 8, 2026. Rates are variable.
Tinker · Checking account
Tinker Heritage Club checking
$4 a year for an everyday customer. No monthly fee. No minimum to open.
- A year, everyday customer
- $4
- APY
- Receipt · APYChecked Nov 8, 2026
Issuer's page · tinkerfcu.org
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · tinkerfcu.org
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · tinkerfcu.org
The source states this figure; we have no exact sentence on file yet.
Features
- Branch access
- Check writing
- Debit card
- Free checks
- Interest bearing
- Mobile check deposit
- Mobile wallet
- No minimum balance
- Overdraft protection transfer
- Spending alerts
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Rate conditions
- Interest compounds
- Earns monthly dividend based on your average daily balance.tinkerfcu.org, checked Nov 8, 2026
Fees
- Monthly fee
- Nonetinkerfcu.org, checked Nov 8, 2026
- Minimum to open
- Nonetinkerfcu.org, checked Nov 8, 2026
- ATM network
- TFCU ATMs, ATMZone machines, Transfund NC ATMs, OnCue and QuikTrip in Oklahoma, Oklahoma City metro area 7-Elevens, and nationwide co-op shared branchestinkerfcu.org, checked Nov 8, 2026
- Out-of-network ATM fee
- Nonetinkerfcu.org, checked Nov 8, 2026
- Incoming domestic wire
- Nonetinkerfcu.org, checked Nov 8, 2026
- Outgoing domestic wire
- Nonetinkerfcu.org, checked Nov 8, 2026
- Incoming international wire
- Nonetinkerfcu.org, checked Nov 8, 2026
- Outgoing international wire
- Nonetinkerfcu.org, checked Nov 8, 2026
- Cashier’s check
- Nonetinkerfcu.org, checked Nov 8, 2026
- Stop payment
- Nonetinkerfcu.org, checked Nov 8, 2026
Who can open it
- Availability
- TFCU membership is required, which involves opening an initial Share (Savings) account with a $5 deposit.tinkerfcu.org, checked Nov 8, 2026
- Membership
- Membership required:
- community and organizational connections
- household and family eligibility
- TFCU Partners
- the empowerment zone
- Minimum age
- 62tinkerfcu.org, checked Nov 8, 2026
Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money