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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 theft protection*, credit file monitoring*, and cell phone protection².

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
1As an eligible account holder, you receive up to $400 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 and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Guide to Benefit and insurance documents can be found online at betterchecking.trianglecu.org or through the TCU Better Checking mobile app. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate. 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.

More Value-Added Benefits with Better Checking

As of November 1, 2024, Triangle Credit Union’s Better Checking accounts include some NEW benefits at no additional cost. See the upgrades below.

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.

Better Checking App and Website

New! Once registered, access your benefits easily on our new website or TCU Better Checking mobile app!
Download TCU Better Checking app from the Google Play Store
Download TCU Better Checking app from the Apple App Store

Identity Theft Protection with IDProtect*

NEW! Primary account holder automatically enrolled in credit file monitoring
Identity Theft Monitoring service includes Credit File Monitoring, Credit Report, Identity Theft Expense Reimbursement Coverage and Resolution Service
Reimbursement up to $25,000 for identity restoration²
Register your debit, credit and ATM cards to have peace of mind knowing you can cancel and request replacement cards should your cards become lost or stolen.

Credit Score Tracker

NEW! Receive valuable insights into your credit score^3,4
Score tracker plots your credit score monthly on a chart so you can easily see changes over time
Monthly email notifications available

Enhanced Cell Phone Protection

New! Covers up to four phones listed on your cell phone bill– up to $400 per claim²
Covers damage or theft
Up to two claims per eligible account, per twelve-month period
$50 deductible per claim
Cell phone bill must be paid using eligible account

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See Disclosures

¹Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account owner who are residents of the same household.

²Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Guide to Benefit and insurance documents can be found online at betterchecking.trianglecu.org or through the TCU Better Checking mobile app. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

³You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is a VantageScore 3.0 based on TransUnion data. Third parties may use a different type of credit score to assess your creditworthiness.

⁴Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new
credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new
score is available.

*Some benefits require registration/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.

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Use Your Debit Card and Receive Cash Back from Over 200 Retailers

When you shop with your Triangle Credit Union debit card, you automatically earn cash back, plus you are eligible for special offers and discounts with top brands as part of your Purchase Rewards!

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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.

Compatible with Android Pay, Apple Pay and Samsung Pay.

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

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