CUTX has two levels of checking accounts: Secure Checking and Secure Checking Plus. 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.
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 overdraft, cell phone protection, extended warranties, and earned interest.
All the benefits of a Secure Checking account with 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!
| Secure Checking | Secure Checking Plus | |
|---|---|---|
| Account Feature | ||
| ID Monitoring & ID Theft Resolution Services¹ | ✓ | ✓ |
| Automatic Payment Discounts on Loans | ✓ | ✓ |
| Buyers Protection & Extended Warranty² | ✓ | ✓ |
| Discounted Wire Transfers & Cashier's Checks | ✓ | |
| Travel & Entertainment Discounts¹ | ✓ | |
| AD&D Insurance⁴ | ✓ | |
| 3-Bureau Credit Monitoring & Unlimited Access to Credit Report & Score¹ | ✓ | ✓ |
| Mobile Phone Protection² | ✓ | ✓ |
| Shopping Rewards¹ | ✓ | ✓ |
| Free First Order of Standard Checks³ | ✓ | |
| Cash Back Member Rewards¹ | ✓ | |
| Health Discount Savings¹ | ✓ | |
The Annual Percentage Yields (APYs) are accurate as of March 19, 2019 and are subject to change.
Please select your min balance
| $0 - $999 | $1,000 + | |||
|---|---|---|---|---|
| Dividend Rate | APY* | Dividend Rate | APY* | |
| Secure Checking | .10 | .10 | .10 | .10 |
| Secure Plus Checking | .25 | .25 | .25 | .25 |
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.
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.
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.
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.
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!
Interested in receiving helpful tips, insight, and strategies for saving and managing your money? Enroll in CUTX's Money Management Email Series today!
Secure Checking costs only $6 a month for all the extras. Secure Checking Plus 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 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.
Opening an account requires a minimum deposit of $25. Aside from that there are no minimum balance requirements.
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.
Stop in at one of our locations or apply online here!
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.
