Two Ways to Bank with CUTX

CUTX has two levels of checking accounts: Secure Checking and Secure Plus Checking. Each account includes a host of added extras such as identity protection, extended warranties, and travel and pharmacy discounts, which add up to thousands in savings.

Types of Checking Accounts

Secure Checking

CUTX’s Secure Checking protects you with ID theft monitoring and resolution, including credit report monitoring (which reveals when theft has occurred). It also includes benefits like cell phone protection and extended warranties.

Secure Plus Checking

All the benefits of a Secure Checking account with discounts on travel, entertainment, and health. Plus AD&D Insurance and cash back member rewards. We added everything we could think of in this deluxe checking account!

Comparison of Checking Accounts

Secure Checking Secure Plus Checking
Account Feature
Identity Theft Monitoring and Resolution Service ¹
Buyer's Protection & Extended Warranty ³
Credit Report Access and Credit Score Tracker ², ⃰
Mobile Phone Protection ³
$hopping Rewards™, ⃰
Cash Back Member Rewards ⃰
Health Discount Savings ⃰
Travel and Leisure Discounts ⃰
Accidental Death & Dismemberment Insurance ³,⁴
Ready To Get Started?
Open Your Account Online
Finish Your Application
Talk to an Account Specialist


Choose a Convenient Time
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 April 13, 2020 and are subject to change.

Please select your min balance

$0 - $999 $1,000 +
Dividend Rate APY ⃰ Dividend Rate APY ⃰
Secure Checking .00 .00 .00 .00
Secure Plus Checking .00 .00 .00 .00

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, 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 ⁵

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 ⁵

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!

Direct Deposit

Save both time and paper by having your paycheck deposited directly into your CUTX account. If you need a form to give your employer or provider, you can access it here.

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!

FAQ - Checking

Secure Checking costs only $6 a month for all the extras. Secure Plus Checking is only $10 a month.

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

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.

Absolutely! You can set up overdraft protection 6 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 7 for $35 per transaction.

Opening an account requires a minimum deposit of $25. Aside from that there are no minimum balance requirements.

Stop in at one of our locations or apply online here!

If you employer or provider is requesting something in writing with your routing number and account number we can provide that for you. You can access our direct deposit form by clicking here.

* Registration/activation required. Health Discount Savings is not insurance.

1 Eligibility: Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account owner who are residents of the same household.

2 You will have access to your credit report and score provided your information has been verified by the credit reporting agency (CRA). Credit score is a VantageScore 3.0 based on Transunion data. Third parties may use a different type of credit score to assess your creditworthiness.

3 Special Program Notes: Please refer to your actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

4 Plateau Insurance Company of Crossville, TN will be the Accidental Death & Dismemberment Insurance underwriter. If you wish to name a beneficiary, a completed beneficiary form is required. If there is no designated beneficiary on file, benefits will be paid according to the Master Policy.

5 Message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile carrier’s coverage.

6 An overdraft fee may be imposed for covering overdrafts created by check or electronic funds transfer, including debit card transactions and Automated Clearing House transactions. If sufficient funds are not available, then any such item presented may be returned to the payee due to non-sufficient funds and all applicable fees may be charged to your Account as set forth in the Truth-In-Savings Fee Schedule.

7 This is an optional service on eligible Checking Accounts for each membership. Eligibility is at the sole discretion of the Credit Union and is based on you managing your Checking Account in a responsible manner. This service allows us to pay, at our discretion, any withdrawal order item (whether by check, electronic funds transfer, including ATM and everyday (one-time) debit card transactions and Automated Clearing House (ACH) preauthorized transactions) if you do not have enough available funds to cover the item(s) in your Checking Account. However, if you would like to include overdrafts for ATM and everyday (one-time) debit card transactions, you are required to “opt-in” (in other words, you must provide us with your affirmative consent) to the overdraft service. If we pay overdraft items for you, we will charge your Account an overdraft fee for each overdraft, as set forth in the Truth-In-Savings Fee Schedule. With Overdraft Privilege Pay, we will generally pay your overdraft items up to a total of $800.00; however, whether your overdrafts are paid is discretionary and we reserve the right not to pay an overdraft on your Checking Account. For example, we typically do not pay overdrafts if your Account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. Accounts must be brought to a positive account balance within 30 calendar days.