Simply Better Checking
A Free Checking Account
Keep more cash in your
pocket with free online bill pay, a free debit card, no minimum balance requirement, and no monthly fee.
Smart Money Management Starts with a Free Checking Account That Just Costs Less
✔
Just the Features You
Need
Let’s keep things simple. Stay focused on your financial goals with unlimited access to the tools you actually use.
✔
Easy to Access, Free to
Use
With free online & mobile banking, a free debit card, and free checks, your money is always within easy reach.
✔
Pair with Regular Share
Savings
Avoid overdrafts. Keep a cash buffer in your linked Regular Share Savings Account to cover any unexpected NSFs.
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Unlimited Transactions
Life moves fast. We make sure you’re never left behind with unlimited free debit card and check transactions.
Do More, Pay Less with Telcoe Federal Credit Union’s Simply Better Checking
Why make managing your money more complicated than it needs to be? Our free Simply Better Checking account makes it easy to focus on what matters with the essential tools and low-cost services you need, and nothing you don’t.
Access the banking services you need to move ahead in an affordable, easy-to-use package. Our free Simply Better Checking account offers:
- No minimum balance requirement
- No monthly maintenance fee
- All the free debit card transactions you need
- Check deposit from anywhere with our mobile app
- Access your money anytime via debit card, check, or electronic transfer
- Link to a Regular Share Savings account for built-in overdraft protection
Getting started is easy! You can apply online to open your free Simply Better Checking account with an initial deposit of just $25. And free is always free—there’s no monthly direct deposit requirement in order to qualify for your full account benefits.
Additional Features of our Simply Better Checking Account
Free Digital Banking
Get the convenience of online banking from your phone or computer anytime, anywhere.
Free Online Bill Pay
Save time and eliminate branch visits. Deposit checks quickly and securely from your phone.
Unlimited Teller Service
Prefer to do your banking face-to-face? Come into a branch anytime for in-person service.
Surcharge-Free ATMs
Get cash when you need it. Enjoy surcharge-free ATM transactions when you use our network of ATMs.
Unlimited Check Writing
Write as many checks as you like each month without worrying about limits.
Free Notary Servicee
Simplify your paperwork. Have important documents notarized for free at one of our branches.
How to Open Your Simply Better Checking Account
STEP1
Choose an Account
Ready to have a free checking account? You’re in the right place!
STEP2
Apply Online
Select Simply Better Checking and submit the online application. It just takes a few minutes to complete.
STEP3
We’ll Call You
We'll reach out to you by phone to complete the opening of your new checking account.
★★★★★
I can’t say enough amazing things about these people. What a great place to
work with—and they
offer great rates if you want to invest money.
– Drew S., Little Rock, Arkansas.
Simply Better Checking FAQs
Can I open a checking account online with no money?
No. While it is possible to open a checking account online, opening a Simply Better Checking account requires an opening deposit of $25 or more.
Do credit unions charge for checking accounts?
Credit unions do charge for some checking accounts, in particular, for accounts that pay dividends on your balance. Simple checking accounts, such as Telcoe’s Simply Better Checking account, do offer a checking account with no monthly maintenance fee or annual service fee, although other charges, such as overdraft fees, may apply.
What's the benefit of having a simple checking account?
A simple checking account, such as Telcoe’s Simply Better Checking account, offers a streamlined set of checking services and usually has no maintenance fee. It’s an easy-to-use, low-cost alternative to premium checking accounts, which offer a wider range of benefits and perks but generally charge a monthly maintenance fee and may require a minimum balance in order to earn interest.
Do I need to have a direct debit paid into my Simply Better Checking account?
No, Telcoe’s Simply Better Checking account does not require account holders to have a direct debit, such as a paycheck automatically deposited in the account.
Is there a minimum balance requirement?
There is no minimum balance requirement for our Simply Better Checking account. You will need a deposit of $25 in order to open your account.
Does Simply Better Checking have fees?
Simply Better Checking does not have any monthly or annual maintenance fees. There is, however, a $3 fee if you choose to receive paper statements and an NSF (Non-Sufficient Funds) fee of $25 an item. Other fees may also apply.
Can I access my money at any time?
You can access your money anytime by check, debit card, or by electronic transfer using our online and mobile banking services.
Can I use online and mobile banking with a Simply Better Checking account?
Yes, our Simply Better Checking account is fully integrated with our online and mobile banking services, allowing you to perform a wide range of banking services digitally, from paying bills to opening an account.
Who is eligible to join Telcoe Federal Credit Union?
Telcoe Federal Credit Union proudly serves various large and small employer groups, organizations, charities, and counties throughout Arkansas. If you’re employed by one of our Select Employer Groups, you could be eligible to join Telcoe and enjoy our membership benefits.
Membership is also open to you if you live, work, attend school, or worship in the state of Arkansas. You must have an Arkansas driver’s license or state-issued ID.
Have questions? We’re here to help — just contact us!
Paying Too Much For Your Banking in Arkansas? Try Simply Better Checking
More Account Options
Premier Checking
Looking to get more out of your everyday spending? Our Premier Checking Account pays high rates on deposits while giving you all the flexibility and convenience of a traditional checking account.
Money Market Savings Account
Grow a savings lump sum into a substantial nest egg with our tiered-rate Money Market Account. Enjoy three free monthly transfers and three free monthly withdrawals for easy access to your cash.
Mastercard Credit Cards
Take your pick of our choice of no-annual-fee Mastercard® Credit Cards. Choose between our low-rate and secured options for a card that suits your lifestyle and financial goals. Get Member Alerts when your card is used.
*APY = Annual Percentage Yield.