CUTX has two levels of checking accounts including Secure Checking and Secure Checking Plus. Each level up brings a host of added extras, ranging from identity protection, to travel and pharmacy discounts, that add up to thousands in savings.
Types of Checking Accounts
CUTX’s Secure Checking protects you with ID theft monitoring and resolution, including credit report monitoring (which reveals when theft has occurred). Beyond that is overdraft, cell phone, and buyer’s protection, extended warranties and earned interest.
To everything in Secure Checking, add higher earned interest, and discounts on travel, entertainment, and health. Plus reduced fees on wire transfers and cashier’s checks, AD&D Insurance, and cash back member rewards. We added everything we could think of in this deluxe checking account!
CUTX answers all inquiries Monday through Friday 9:00 am to 6:00 pm and Saturdays 10:00 am to 2:00 pm.
Checking Account Rates
The Annual Percentage Yields (APYs) are accurate as of March 19, 2019 and are subject to change.
Please select your min balance
$0 - $999
Secure Plus Checking
Make The Most Of Your Checking
Online & Mobile Banking
Bank any time and anywhere with Online and Mobile Banking. Deposit checks, pay bills, and transfer funds between accounts, all on your mobile device. Store your CUTX MasterCard debit card in your Digital Wallet and pay with just a tap of your thumb. CUTX brings banking to you.
Debit Cards With Extras
CUTX MasterCard debit cards come with a lot of extras including Extended Warranty, Price Protection and Purchase Protection Coverage, Road and Travel Assist Services, Global Services, and Mastercard® Securecode.™ Use it old school style, or store it on Apple or Google Pay Digital Wallets.
Get Debit Card Alerts
We text you when suspicious activity is detected on your debit card, or any time a debit card transaction occurs. Through CUTX Online Banking, you can opt in to any number of alerts for important events like suspected debit card fraud, online transactions, international transactions, declined transactions, or even transactions over an amount threshold that you set.
Banking by Text
You can also text us to let us know you want to see your balance, transfer funds, see recent history, or many other activities using abbreviated text commands. Sign up in Online Banking.
Free Electronic Statements
Electronic statements are faster, safer, and more accessible than paper statements and they’re free! Keep records of all your bank statements for years without a cumbersome pile of paper. Just log in to Online Banking and enroll to go paperless!
With many debit cards, it’s just a way to buy things. At CUTX, however, when you sign up for CUTX Perks with your Secure Checking or Secure Plus Checking, just about everything you buy with that card is under protection against damage, fraud, price drops. Or in the case of trips, lost time and money.
Some of the most popular benefits include:
$300 phone protection
Extended Warranty Coverage
Purchase Protection Coverage covers theft and damage to purchases
Price Protection Coverage that pays the difference if the price drops
Road Assist Service
Travel Protection Services
Become a Money Management Master
Interested in receiving helpful tips, insight, and strategies for saving and managing your money? Enroll in CUTX's Money Management Email Series today!
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FAQ - Checking
How much do each of the checking accounts cost?
Secure Checking costs only $6 a month for all the extras. Secure Checking Plus is only $10 a month.
How do I get a debit card for my checking account?
When you open your account online, you will have the chance to request a debit card that will be mailed to you once your account is opened. Alternatively you can pick up a new or replacement debit card by
How does the insurance and purchase protection work?
Just use your debit card to pay for items and services and it’s like buying an extended warranty or the extra insurance for up to a year.
Do your checking accounts offer overdraft protection?
Absolutely! You can set up overdraft protection from a savings account or line of credit, and we can transfer money into your account for a fee of only $5. If you have Secure Plus, it costs only $1. However, if you do not have the funds in any account you may still be able to sign up for Privilege Pay for $35 per transaction.
Do you require a minimum balance in checking accounts?
Opening an account requires a minimum deposit of $25. Aside from that there are no minimum balance requirements.
What are CUTX Perks?
CUTX Perks let you earn points just for using your debit card if you have a Secure Checking or Secure Plus Checking with CUTX. So, in addition to having purchase protection and other extras, you can build points toward purchasing gifts and rewards across numerous categories from apparel to travel.
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1. Registration and activation required. Health Discount Savings is not insurance. 2. Refer to Guide To Benefits for complete details of coverage. 3. Order must be placed within 180 days (6 months) of account opening. 4. Plateau Insurance Company of Crossville, TN. will be the Accidental Death & Dismemberment Insurance underwriter. Insurance products are not a deposit; not NCUA insured; not an obligation of credit union; and not guaranteed by credit union or any affiliated entity.