An Elite Checking Account* can pay you dividends without all of the fees some financial institutions charge.


  • No monthly service charge
  • No minimum balance requirement
  • Free 24/7 account access using Mobile & Online Banking and MANDI
  • Access to 73,000 surcharge-free ATMs nationwide
  • Overdraft Protection available
  • Earns dividends on balances greater than $2,500
  • Free access to eStatements
  • Visa® Debit and apple pay image

Visit any Telco location today to get started!

Overdraft Protection & Privilege

Overdraft Protection transfers funds from your savings account to cover a charge to your checking account if funds are unavailable; the funds will transfer from your savings, if funds are available to cover the charge and the $5 per transaction fee.

Overdraft Privilege authorizes your checking account to accept charges that overdraw the account up to $500. There is a $30 per transaction fee for each charge that is submitted to the overdrawn account. Click here to opt-in.

To qualify for Overdraft Privilege
  • Your account must remain positive with no fees for 60 days
  • You must have at least $400 in aggregate deposits during those same 60 days
  • You may not have any delinquent loans

*Available for qualifying members.