Savings Accounts
Start building your savings today with a better Savings Accounts from Town & Country. This free account offers competitive interest rates, so you can be sure you're getting the most out of your money, plus it comes with plenty of extra benefits like free Online Banking, a low minimum balance, and no monthly service fees.
All it takes is a $25 deposit to open your account and begin a Better Banking experience.
- Summary
- No monthly service charges
- Low minimum balance
- 6 free transactions per month
- Competitive rates
- Free Online Banking
- Free E-Statements
- Free TCPhone24 Telephone Banking
- Free Notary Service
- Comprehensive account statements
- Direct deposit available
- Overdraft privilege available
- NCUA insured up to at least $250,000
- Federal Regulation D
Regulation D impacts the number of transactions Town & Country Federal Credit Union may allow on your deposit accounts (including savings, money market, trust and club accounts). The Regulation was implemented by the Board of Governors of the Federal Reserve System, whose job is to ensure that financial institutions maintain adequate reserves for the funds they have on deposit.
Regulation D affects you by limiting certain withdrawals and transfers that may be made from your Share Savings, Club, and Money Market Accounts.
The following transactions (or any combination thereof) are limited to six (6) per month:
Overdraft agreements where money is automatically withdrawn from a share account to cover overdrafts in any of your other Town & Country Federal Credit Union accounts.
TCPhone24 telephone banking transfers or other telephone transfers from a share account to other accounts or third parties.
Online Banking transfers from a share account to other accounts or third parties including Bill Pay Payments.
Pre-authorized, automatic transfers (ACH) made at a predetermined time to third parties or to your other accounts, of which no more than three (3) of the six (6) may be made by check, check card, if applicable, or similar order to a third party.
There is no limit on the frequency or dollar amount of transfers for the purpose of repaying loans and associated expenses where the loan has been made to you by the Credit Union or is serviced by the Credit Union.
There are no limitations to the number of transactions that you handle on any account in person, by mail, or through an ATM. You should know that Town & Country Federal Credit Union will refuse any transactions that are not in compliance with Regulation D (checks may be returned and fees applied).
FEDERAL RESERVE REGULATION D IS A DIRECTIVE OF THE GOVERNMENT, NOT OF YOUR CREDIT UNION.
