Earn 0.65% APY* with a high yield Smart Checking account. Now that's Smart.

Open a high yield Smart Checking account that earns 0.65% APY* on balances up to $10,000 and 0.10% APY on balances greater than $10,000. 

Choose one of three easy ways to qualify:

  1. Average monthly balance of $5,000 in your Smart Checking account
  2. $20,000 in combined end of month deposit balances
  3. Establish direct deposit(s) of $500 or more and complete 10 debit card purchases each month

Members must enroll in Teachers online banking and eStatements for this account in order to remain eligible.

APY 0.65% APY* on balances up to $10,000 and 0.10% APY on balances greater than $10,000.
Monthly Service Fee $0
ATM Benefits Up to $15 per month in ATM fee rebates

Earn More

  • Earn 0.65% APY* on balances up to $10,000 and 0.10% APY on balances greater than $10,000.
  • More than 9x the national average.1
  • Make your money work for you.

Convenient and Secure 

  • Enroll in convenient and secure online banking and eStatements.
  • Mobile banking including check deposits through the Teachers Mobile App.
  • Bank when you want – all day, any day.

More Savings

  • No monthly service fee.
  • Up to $15 per month in ATM fee rebates.

Open a Smart Checking account today
In a few quick steps you can earn more with Smart Checking. The checking account that pays you. Safely, securely and conveniently. Get started today. 

1 Based on Comparison of Average Savings, Deposits and Loan Rates at Credit Unions and Banks, accurate as of June 25, 2021. Average rates may change quarterly.

*APY = Annual Percentage Yield. Qualified APY of 0.65% is for balances up to $10,000.00 only. Balances $10,000.01 or above will receive an APY of 0.10%. APY accurate as of 06/01/2021. We will use the daily balance method to calculate the interest on your account. We may change the interest rate paid for products and services used and the annual percentage yield at the Credit Union’s discretion at any time without notice. Fees may reduce earnings. You will earn the qualified APY and ATM rebate benefits when you do at least one of the following each statement period: Option #1: Maintain an average monthly balance of at least $5,000 in the Smart Checking account OR Option #2: Have $20,000 in combined end of month deposit balances OR Option #3: Maintain direct deposits of at least $500 per month AND complete 10 debit card purchases. Qualifying direct deposits include payroll or government benefits. Transactions that will not count towards direct deposits include external transfers, point of sale credits, and in-person check or cash deposits. Direct deposits must post and clear the account during the statement cycle. Limited to one product per primary owner. Members must enroll in Online Banking and eStatements for this product type in order to remain eligible. If conditions are not met, members will not earn interest and not receive the ATM rebates for the next statement cycle. Members must requalify to earn interest and receive benefits. Non-Teachers FCU and out-of-network fees charged at U.S. ATMs will be refunded up to $15 per month if the account qualifications were met in the previous monthly statement cycle. Eligible ATM fees will be credited at the end of the statement cycle to the Smart Checking account that incurred the fee(s). Members cannot be enrolled in the Educated Choice program and have a Smart Checking account. We reserve the right to modify or change this agreement at any time. Dividends earned will be reported as interest on IRS Form 1099-INT (or Form 1042-S, if applicable). Federally insured by NCUA. For more information, please see a Teachers representative or call 1-800-341-4333.