Personal Banking
Lifetime Savings Account
Your savings account isn’t just about saving; it’s about unlocking your financial potential. TCB Lifetime Savings is crafted to evolve alongside your ambitions, empowering you with the resources and advantages to make the most of every dollar. Offering competitive returns and seamless accessibility, it’s the perfect foundation for achieving your dreams.
Quarterly Maintenance Fee
$10 quarterly maintenance fee that can be waived if you meet age or balance requirements.
Earns Interest
Earn interest at competitive market rates on your balance.
Minimum Opening Deposit
Open your account quickly and easily in-branch with a minimum opening balance of just $100.
Earn interest on your account balance.
With a TCB Lifetime Savings account, your money works as hard as you do. Earn interest on your balance, helping you grow your funds. 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 quarterly maintenance fee of $5, but you can avoid the fee by doing one of the following each quarterly statement period:
- The account owner is 21 years old or younger
- OR the account is enrolled in e-statements
- OR the account maintains a minimum daily balance of $500 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.
Frequently Asked Questions
What is the Lifetime Savings Account?
TCB Lifetime Savings is a versatile savings account designed to grow with you. It adapts to your financial stage, offering flexible features, convenient access, and earns interest as your balance grows.
How does Lifetime Savings “grow” with me?
It’s built around your life stage. Children under the age of 21 enjoy no monthly fees, and adults have other ways to waive fees, all in one seamless account that adapts as you do.
Does Lifetime Savings earn interest?
Yes your Lifetime Savings 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 Savings account?
The minimum balance required to open a TCB Lifetime Savings account is $100.
How can I avoid the quarterly Maintenance fee for the TCB Savings account?
You can avoid the $10 monthly Maintenance fee by meeting one of the following criteria: being 21 years old or younger, being enrolled in e-statements, or maintaining a minimum daily balance of $500 during the statement cycle.
How do I open a Lifetime Savings 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 Savings account?
The TCB Lifetime Savings account offers several benefits, including the ability to earn interest, access to digital banking features, and more.
Does this account have transaction limits?
There are no longer federal limits on the number of transfers or withdrawals you can make from your savings account. However, because this is an account designed for saving rather than frequent spending, excessive transaction activity may not be ideal. If you make regular payments or withdrawals, a TCB Lifetime Checking Account may be a better fit for your everyday banking needs.