No Minimum Balance Checking Account
Triangle Credit Union no minimum balance Checking Account offers better perks and more features than standard accounts. Our Better Checking provides peace of mind with value added benefits like identity protection, credit monitoring, and cell phone protection.
| Account Features | Better Checking (Upgraded 11/1) | Basic Checking |
|---|---|---|
| No Minimum Balance |  | |
| Early Paycheck with Direct Deposit | | |
| Visa Debit Card | | |
| Online and Mobile Banking | | |
| Cell Phone Protection 1 | | |
| Credit Score Monitoring and Reporting3** with IDProtect® | | |
| Total Identity Monitoring3 with IDProtect® | | |
| Identity Theft Expense Reimbursement Coverage 2 | | |
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See Disclaimer
1As an eligible account holder, you receive up to $300 of Cellular Telephone Coverage to reimburse the cost of replacing or repairing your device. This valuable protection covers you whether you are at home or abroad. Must pay bill through Triangle CU Better Checking Account.
2Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Guide to Benefit for complete details of coverage.
ELIGIBILITY: IDProtect service is a personal identity theft protection service available to personal checking account owners, their natural person joint account owners and their eligible family members (as defined below). The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and the beneficiary’s eligible family members (Fiduciary is not covered). Service is not available to a “”signer”” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. Eligible Family Members include: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household.
3Registration/activation required.
Insurance product is not a deposit; not NCUA insured; not an obligation of credit union; and not guaranteed by credit union or any affiliated entity.
*Triangle Credit Union cannot assume any liability for not depositing these funds to a member account early.
**Credit File Monitoring from Experian and Transunion will take several days to begin following activation.
More Value-Added Benefits with Better Checking
Your Triangle Credit Union Better Checking account will include some NEW benefits at no additional cost starting November 1, 2024. Check out the updates here.
We know you work hard to provide for yourself and your family. The last thing you should need to worry about is having your lives turned upside down by identity theft!
With Better Checking, you have the protection you need including identity theft protection, monitoring, resolution, and recovery as well as cell phone protection for a low monthly maintenance fee of $4.99.
Better Checking accounts have no minimum balance and include Bill Pay, online/mobile banking, and Early Paycheck with Direct Deposit.
Fraud Monitoring & Resolution*
Identity Protection with Case Management
Free Credit Report
New Three Bureau Report Every 90 Days
Family Coverage
Elderly Parents & Children Under 25 Living In Your Household
Cell Phone Protection
Up to 3 Lines and $300 Per Incident*
See Disclosures
As an eligible account holder, you receive up to $300 of Cellular Telephone Coverage to reimburse the cost of replacing or repairing your device. This valuable protection covers you whether you are at home or abroad. Must pay bill through Triangle CU Better Checking Account. Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Guide to Benefit for complete details of coverage.
ELIGIBILITY: IDProtect service is a personal identity theft protection service available to personal checking account owners, their natural person joint account owners and their eligible family members (as defined below). The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and the beneficiary’s eligible family members (Fiduciary is not covered). Service is not available to a “”signer”” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. Eligible Family Members include: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household.
Insurance product is not a deposit; not NCUA insured; not an obligation of credit union; and not guaranteed by credit union or any affiliated entity. Registration/activation required.
Triangle CU cannot assume any liability for not depositing these funds to a member account early. Credit File Monitoring from Experian and Transunion will take several days to begin following activation.
More Checking Account Benefits
Your Checking Account Simplified
Our free, no minimum balance Basic Checking Account offers services such as mobile and online banking, early paycheck with direct deposit, and more.
Complete the Debit Card Application for your VISA Debit Card.
Open an Account- Automatic enrollment including elderly parents and dependents under 25 living in your household
- 3-in-1 credit report every 90 days
- Dedicated case manager for fraud monitoring and resolution
- Reimbursement up to $25,000 for identity restoration
For first time users, get your registration access code by contacting Member Services at (603) 889-2470 or by email. For questions directly related to IDProtect coverage, contact the IDProtect Benefits Service Center at 1-877-610-7889.
- Automatic enrollment of cell phone protection with reimbursement for repairs and replacement
- Coverage up to 3 lines on your phone plan
- Includes coverage of damage or theft of your phone up to $300 per claim with $50 deductible
- Monthly cell phone bill must be paid through your Better Checking Account
See Disclosure
As an eligible account holder, you receive up to $300 of Cellular Telephone Coverage to reimburse the cost of replacing or repairing your device. This valuable protection covers you whether you are at home or abroad. Must pay bill through Triangle CU Better Checking Account. Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Guide to Benefit for complete details of coverage.
Mobile Wallet Benefits
Go through the checkout line safely and quickly with just the quick tap of your phone, while having your data guarded behind layers of protection. You get all the same benefits of your Triangle Credit Union Visa debit card, with the convenience of your smartphone or smart watch.
Get Paid up to 2 Days Early
Early Paycheck makes member direct deposits from payroll, Social Security, U.S. Government, and any ACH credits accessible up to 2 days early*.
Members do not need to sign up for early paycheck but must have ACH direct deposit to qualify. Fill out the direct deposit form and submit to your company’s Payroll/HR department for processing.
*Triangle Credit Union cannot assume any liability for not depositing these funds to a member account early.
Debit cards have revolutionized cashless payments with convenience and added security that guards your data with layers of protection.
With Debit on Demand, you can get your debit card same day at Triangle Credit Union branches.
Plus, your card can be easily added to your mobile wallet for an easier and faster payment option with your smartphone!
Your Triangle Credit Union debit card can be used anywhere VISA© accepted, and you have access to over 30,000 surcharge-free ATMs/ITMs through the CO-OP network.
For lost or stolen cards, please call: 1-800-789-8272