Quick Links



Checking Products:
Free Checking
Visa Debit Card
E-Z Account
Online Banking Signup
Remote Deposit Capture


More...
Become a Member
Checking Rates
ATM Locations
Direct Deposit/Payroll Deduction
Fee Schedule



Checking (Share Draft) Account


Free Checking
  • To apply for a STCU Checking Account, fill out the Checking Account application. If you already have a savings account with us, you will need to fill out an Account Change Card in addition to the application above. If this will be your first account with STCU, you will need to view our information about becoming a member by clicking here.
  • Requires An initial deposit of $100.00 to open up account or this initial deposit may be waived if you sign up for direct deposit
  • Share Draft (Checking) account is an interest-earning account
  • Must maintain a minimum balance of $1,000.00 to earn dividends
  • Pay no monthly fee
  • Carbonless duplicate checks available. You must pay for these and checks will not be ordered until there is a balance in the account to cover the check order
  • 3 options of Overdraft Protection Available:
    • Transfer from Share Savings
    • Transfer from Line of Credit (LOC) (need to apply using the loan application to set up)
    • Courtesy Pay (need to opt-in to activate)
  • Direct Deposit
    • Your paycheck will be deposited securely and expediently if you sign up for this feature.

Note: Share Draft (Checking) accounts are run through a check verification system.



Visa Debit Card
  • Allows you to make purchases using it as a credit or debit transaction (no fee charged to take extra money while making your purchase using cash back)
  • Allows you to make cash withdrawals without fees at any STCU ATM, CU24 ATM or PublixATM (outside of stores)
  • Locate CU24 ATM locations as you travel at http://www.cu24.com/NoPremium/index.aspx
  • Visa Check Cards will not be ordered until there is a balance in the account. However, you will not be charged for your first card. There is a fee for lost cards, and that fee can be found on our fees page.
  • Lost and Stolen Card? - Click Here




E-Z Account
  • To apply for a STCU EZ Account, fill out the EZ Account application. If you already have a savings account with us, you will need to fill out an Account Change Card in addition to the application above. If this will be your first account with STCU, you will need to view our information about becoming a member by clicking here.
  • An initial deposit of $100.00 to open or this initial deposit may be waived if you sign up for direct deposit
  • No minimum balance required
  • Pay no monthly fee
  • Unlimited withdraws in the credit union
  • No checks available, but can purchase money orders and certified checks.
  • Dr. Cash ATM Card available
    • Allows 6 free transactions in a month which includes balance inquiries, transfers, and withdrawal.
    • Allows you to make cash withdrawals without fees at any STCU ATM, CU24 ATM and any Publix ATM (outside of stores)
    • Locate CU24 ATM locations as you travel at http://www.cu24.com/NoPremium/index.aspx
  • Direct Deposit: Your paycheck will be deposited securely and expediently if you sign up for this feature




To Sign Up for Online Banking:
  • Click here to enroll yourself for online banking. You will need to know your entire savings account number, including the last 3 digits (i.e. xxx-x1x). When asked for a Pin Number you need to use the last four digits of your Social Security number. If you need any assistance please call (615) 292-7828.
  • Online Banking (Virtual Branch) allows you to transfer between STCU accounts, view account history, and more.
  • Go green and protect your personal information all at the same time by signing up for E-Statements under the Self Service tab once you have access to online banking.
  • Bill Pay allows you to make single or reoccurring payments. (You must request access to this feature by calling (615) 292-7828 or stop by the branch)
  • Deposit It (Home Banking Deposit) allows you to deposit checks online and the money is in your account instantaneously. Checks are required to then be mailed within 5 to 7 business days with a confirmation code and signature(s) on the back of each check. Acrobat File Please click here and submit an application to have this particular feature activated.




Remote Deposit Capture (RDC)
  • Remote Deposit Capture is a new product for STCU members to deposit a check to their STCU checking or savings account by simply taking a picture of the check with their smartphone or tablet. To enroll for this product, download our St. Thomas Credit Union mobile app from the Google Play store or iTunes App store. Once downloaded, select "Remote Deposit" from the menu and tap enroll/sign up at the bottom of the screen.
  • Restrictions apply to qualify for access to this product.
    When applying to deposit to a checking account:
    1. Must be a member for a minimum of 2 months.
    2. Must not have any overdrafts on your account within the previous 2 months.
    3. Your account must be active (meaning you have at least 6 monthly transactions).

    When applying to deposit to a savings account only:
    1. Must be a member for a minimum of 4 months.
    2. Must have no overdrafts on the account within the previous 2 months.
    3. Can only deposit up to a maximum $500 per item.
  • EZ accounts and accounts opened within the last 6 months will be setup with a maximum deposit limit of $500 per item.
  • Check being deposited must be made payable to the owner(s) of the account it is being deposited into.
  • The check must be endorsed specific to the instructions sent following enrollment.


NCUA Insured Your Savings Federally insured to at least $250,000 and backed
by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Govt. Agency.
EHL
We do business in accordance with the Federal Fair
Housing Law and the Equal Credit Opportunity Act.