We offer the perfect account for students and young adults with no monthly service fee and ATM access. 

 1st Time Checking (Ages 15 thru 24)

• No monthly service fee
• Free checks (first box basic)
• Free Home Banking, Bill Pay, and E-Statements
• Unlimited Check Writing
• Free ATM Card

This account also has the following bonus features available:

• Free VISA® Debit Card (with approval)
• Dividends paid on balances of $500 or more
• Courtesy Pay (overdraft privilege, with approval) *
• Overdraft Protection
• Unlimited withdrawals from Triangle FCU ATM
  or 24-Hour Teller

Account converts to Value Checking at age 25

*Courtesy pay may cover overdrafts caused by any of the following means: the checks you write, debit card transactions, ACH and/or Automatic or preauthorized debits that you establish (insurance premiums, utility bills, etc.), and Internet Bill Pay transactions.  There is no additional monthly fee for this service.  Should an overdraft occur and your item is paid under courtesy pay, your account will be charged our standard fee of $25 for handling each item.  This is the same fee that TFCU charges for items drawn against insufficient funds that are returned to the payee.  If multiple items are presented against your account on the same day, each item will be assessed the NSF fee.  Courtesy Pay is not a line of credit and the privilege may be withdrawn by TFCU at any time.

COURTESY PAY POLICY

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terroism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver's license or other identifying documents.