Convenience Services
Debit Cards
The Clear Card® allows you to debit your checking anywhere in the world that MasterCard® is accepted. It can also be used to access your Credit Union accounts 24 hours a day.
Using The Clear Card® gives you account access at virtually any ATM, anywhere in the world. The Clear Card is also a MasterDebit and can be used to debit your checking account, not only at ATMs, but also at any merchant that accepts MasterCard. There is no charge for The Clear Card and there are usually no charges or fees when you use it as a debit card with a merchant.
The Clear Card transactions from checking are free at The Tennessee Credit Union REFLEX® ATMs. At all CIRRUS® and STAR® ATMs, you can make two withdrawals from checking and one withdrawal from savings each month with no charge from TTCU. After that, it’s one dollar per transaction. The nationwide CO-OP ATM Network and the CU Service Centers Network, as well as the statewide MoneyTower Network, provide members with no-surcharge access at thousands of machines throughout the U.S. These are located at convenience stores, restaurants and discount department stores.
Report a Lost or Stolen Debit Card
Please call (800) 449-7728 to report a lost or stolen debit card. You may also order a new card via this number.
Online banking with Smart Branch
Smart Branch online banking gives you access to your account information anytime and anywhere you have Internet access. Check your balances, transfer funds, pay bills with Bill Payer, view check images, place stop payments, manage your Overdraft Protection settings, and update your contact information—all safely and conveniently. Smart Branch is provided to all TTCU Members at no extra charge.
Click here for a printable Smart Branch application.
Click here to enroll in Smart Branch online.
Mobile Banking
Now you can access your accounts anytime, anywhere! It's fast, secure and free.
If you are using a Smart phone, open Smart Branch, enter your password (account number) and choose Mobile Banking.
If your phone doesn't have a full browser go to https://smartbranch.ttcu.org/mobile
It's so easy and convenient it may change the way you bank forever.
e Statements
An e-Statement is a free electronic version of your account statement located securely within your password-protected Smart Branch account. With e Statements you can choose to view the information at your convenience or you can download and save to your computer, CD or DVD.
The way it works is simple and best of all, it's free. We will send a notification to your email address that the statement information is available. You will then go the website, log into your Smart Branch account and retrieve your e Statement.
Go here to find out more
Express Call
Get account information and make transactions anytime with your personal identification number (PIN) and a touch-tone phone. Simply call the Express Call number (615) 242-6232 or (800) 338-1904, listen to the instructions and key in the codes. An Express Call Menu with tips is sent to you when you enroll. There is no charge for Express Call service and it's available 24 hours a day.
Express Call allows you to obtain balances, make transfers, request advances, get account histories, find out what checks have cleared, and much more.
Online Bill Pay with Bill Payer
Bill Payer enables you to pay an unlimited number of bills in just a few simple clicks – and you can also set your bills to pay themselves automatically! You can track your bill payment history to see when the checks have cleared. Best of all, Bill Payer is provided to all TTCU members at no extra charge! You must have a checking account in order to use Bill Payer. You can easily set up Bill Payer once you log in to Smart Branch.
Overdraft Protection
When you add Overdraft Protection to your account, you can save yourself the hassle of bounced checks and non-sufficient funds. You can tie your checking account to designated savings or money market accounts, a personal line of credit or a home equity line of credit.
Privileged Assurance
With our busy lives, it’s easy to make mistakes such as forgetting to deposit a check, make a transfer, or deduct your last debit charge from your balance. A simple error or balance miscalculation can lead to an unexpected shortage of funds. The Tennessee Credit Union may have the solution you’re looking for with our Privileged Assurance program.
Privileged Assurance is not a line of credit. However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to your Privileged Assurance.
Fees may be imposed for overdrafts created by check, ACH, Point-of-Sale, ATM withdrawals and in-person withdrawals.
Go to Privileged Assurance Details
The Tennessee Credit Union will not pay overdrafts for ATM or everyday debit card transactions unless you have given your consent by opting in to the payment of these overdrafts.
Go to Opt In enrollment form for Young Professional Club Members
Go to Opt in enrollment form for members 26 years and older
Other great alternatives are tying your checking account to a designated savings or money market account, a personal line of credit, or a home equity line of credit. TTCU does not charge fees for the set-up, maintenance, or use of any of these Overdraft Protection solutions.
Safe Deposit Boxes
These boxes are available at our Main Branch, Rivergate Branch, Johnson City (Sunset) Branch, and Cool Springs Branch.
Notary Service
Free notary service is available to members at all our branches.