Personal Banking
Lifetime Checking Account
Your checking account should grow with you, adapting to your needs at every stage. TCB Lifetime Checking is designed to evolve as your finances do, offering flexibility, convenience, and even the ability to earn interest. Whether you’re just getting started or planning for the future, it’s the perfect account to help you do more.
Earns Interest
Earn interest at competitive market rates on your balance when you maintain a minimum daily balance of $1,000.
Minimum Opening Deposit
Open your account quickly and easily in-branch with a minimum opening balance of just $100.
ATM Fee Reimbursements
We'll reimburse up to $20 in foreign ATM fees each statement cycle when you maintain a minimum balance of $1,000.
Unlimited Transactions
Enjoy unlimited transactions with your account, giving you complete freedom to access your money whenever you need.
Earn interest on your account balance.
With a TCB Lifetime Checking account, your money works as hard as you do. Earn interest on balances over $1,000, helping you grow your funds while enjoying the flexibility of a checking account. Whether you're saving for the future or planning your next big move, your money goes further. Stay in control of your finances with easy access to your funds, competitive rates, and the confidence of banking with a team that puts you first.
Easy ways to waive this account's monthly maintenance fee.
This account does have a monthly maintenance fee of $10, but you can avoid the fee by doing one of the following each monthly statement period:
- The account owner is 24 years old or younger
- OR the account owner is 62 years old or older
- OR the account has one direct deposit and is enrolled in e-statements during each statement cycle
- OR the account maintains a minimum daily balance of $1,000.00 during the statement cycle
Do more with digital.
View your current balances
Quickly see an up-to-date snapshot of all your account balances in one convenient place. Stay informed about your finances at a glance.
Monitor your credit score
Stay on top of your credit score and report. Easily track changes and identify potential issues to maintain your financial health.
Send money instantly
Quickly send funds to friends and family using just their phone number. Transfers are instant and secure, making payments effortless.
Deposit checks from anywhere
Conveniently deposit checks using your phone, even multiple checks in a single session. Save time by banking from anywhere.
Take control of your bills
Easily manage and pay your bills in one place. Schedule payments, set up recurring transactions, and avoid late fees with a few simple clicks.
Card Security & Control
Protect your debit card. Lock and unlock it instantly, adjust temporary spending limits, and add travel alerts with just a few taps.
More Features.
More Possibilities.
Banking should work for you, not the other way around. With our enhanced account features you have what you need to do more.
Send Money Instantly
Send and receive money instantly with just a few taps using TCB SpinPay, connecting effortlessly with friends and family across the U.S.
Get Paid Early
Enjoy the benefit of getting paid up to two days early on qualifying ACH direct deposits, giving you quicker access to your money.
View External Accounts
TCB TotalView lets you link and see all your external accounts right from our app, providing a 360-degree view of your financial picture.
Credit Monitoring
Enjoy complimentary credit score monitoring and restoration services included, helping you stay on top of your credit.
Automatic Round-Up Savings
Optional TCB SwipeNSave automatically rounds up your debit card purchases, transferring the change directly into your savings.
Advanced Fraud Monitoring
Bank with peace of mind! Your account comes with advanced fraud monitoring, defending your money and personal information around the clock.
Custom Account Alerts
Stay in the know! Set up custom account alerts to monitor your activity and balances, so you're just a click away from what's happening with your money.
Client Service
Our exceptional client service team is here to help, ready to provide the personalized support you deserve.
Fuel Your Freedom with the TCB Debit Card.
From daily essentials to bigger purchases, the TCB Debit Card empowers you to manage your money with ease. Make fast payments with tap to pay at countless merchants, or link your card to your favorite mobile wallet for even greater convenience. Plus, take charge of your spending directly from our app with intuitive debit card controls, giving you peace of mind wherever you go.
Frequently Asked Questions
What is the Lifetime Checking Account?
TCB Lifetime Checking is a versatile, everyday account designed to grow with you. It adapts to your financial stage, offering flexible features, convenient access, and even the ability to earn interest as your balance grows.
How does Lifetime Checking “grow” with me?
It’s built around your life stage. Students enjoy no monthly fees, adults can earn interest on higher balances, and seniors get those same no-fee benefits again — all in one seamless account that adapts as you do.
Does Lifetime Checking earn interest?
Yes — if your minimum daily balance remains at $1,000 or above, your account earns interest. The rate is variable and may change at any time, helping your money grow while staying fully accessible for everyday use.
What is the minimum balance required to open a TCB Lifetime Checking account?
The minimum balance required to open a TCB Lifetime Checking account is $100.
How can I avoid the monthly maintenance fee for the TCB Lifetime Checking account?
You can avoid the $10 monthly maintenance fee by meeting one of the following criteria: being 24 years old or younger, being 62 years old or older, having one direct deposit and being enrolled in e-statements, or maintaining a minimum daily balance of $1,000 during the statement cycle.
Can I use any ATM with Lifetime Checking?
Yes. You can use any ATM nationwide — and we’ll reimburse up to $20 in ATM fees each statement cycle when you maintain a qualifying balance of $1000.
How do I open a Lifetime Checking Account?
You can open an account at any TCB Branch. We’ll help set up your digital banking, debit card, and direct deposit so you can start enjoying the benefits right away.
What are the benefits of the TCB Lifetime Checking account?
The TCB Lifetime Checking account offers several benefits, including the ability to earn interest, unlimited transactions, ATM fee reimbursements up to $20 per statement cycle, and access to digital banking features.