Tyndall Smart Checking

And you should have it!

You’ve worked hard to create a high balance in your checking account, and now it’s time to put your money to work for you. You deserve to be rewarded.

With Smart Checking, your money earns money. The more you use your debit card each month, the more you earn in dividends. And let’s be honest, with the normal expenses of everyday life, it’s not hard at all to use your debit card anymore! And, you can avoid the $0.99 monthly service charge when you keep a $1,500 minimum balance.1

Dividends will apply when qualifying criteria2 is met.

For balances up to $50,000:

Swipe 21-40 times per month and

Earn 0 .50%APY*

Swipe 41+ times per month and

Earn 1.00%APY*

For balances over $50,000:

Swipe 21+ times per month and

Earn 0.05%APY*

Reward yourself. The more you use your card, the more you earn!

Open an Account

Get all the things YOU want .


Convenient Access
You choose how you want to bank. Bank from any device with Online Banking, or right from the palm of your hand with our Mobile Banking app.


Complete control of your card
With our MobiMoney app, you can turn your card on and off if you lose it or suspicious activity, get card alerts to your phone, and even set spending thresholds.


Security features
You can look out for your card security with MobiMoney, but we are always on the lookout, as well. We have advanced fraud monitoring systems in place, and we will send you text alerts if we notice anything fishy. Want to learn more about how to keep your cards and accounts secure? Click here to see what you can do and what Tyndall is doing to help.

And then some.

  • Mobile Deposit
  • Surcharge-free ATMs*
  • Overdraft protection
  • Courtesy Pay-instead of declining your overdraft transaction, we will pay for it, and you can pay us back later!*
  • Low ($25) initial deposit to open the account
  • Free Online Banking and Bill Pay
  • Free e-Statements and e-Alerts
  • Free 24-hour telephone access to your accounts with Genie24
  • Free Direct Deposit
  • Free automatic transfers to Tyndall accounts or loans
  • Access to check images through our secure Online Banking
  • Debit Card Rewards (1 point for every $5 spent)

2To qualify for smart rates, go paperless with e-statements, use online banking to manage your accounts or pay your bills, have at least one direct deposit or automatic debit per month, and have at least 21 debit transactions per month.

*APY = Annual Percentage Yield. Click here for Smart Checking Account disclosures. BENEFITS AND REQUIREMENTS ARE SUBJECT TO CHANGE AT ANY TIME. If you are not actively enrolled in e-Statements, a low monthly fee will apply. 1A $0.99 Monthly Smart Checking Charge (MTHLY SMART CK CHRG) will apply if minimum balance of $1,500 is not met. Fee will be calculated using the average daily balance method. You must be 16 years of age to open a Smart Checking Account. In order to open an account for members who are under the age of 18, an adult joint owner is required on the account. Membership required; an initial $1 non-refundable membership fee will apply.

Mobile Deposit: Must have a Tyndall Checking Account and be a member in good standing to qualify for Mobile Deposit. Please speak with a Financial Service Representative for details. Deposits may  not be available for immediate withdrawal; standard check holds apply. Phone carrier standard charges may apply; system availability and response time is subject to market conditions.

Surcharge-Free ATMs: Use your Tyndall debit card FREE at any Tyndall ATM or Publix Presto! ATM. You also have access to Allpoint, the world's largest network of surcharge-free ATMs.

Courtesy Pay: Click here for Overdraft Protection Disclosures, or view our Fee Schedule. Courtesy Pay is not available for account owners under the age of 18. A Paid NSF fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means (please see current Fee Schedule for fee amount). You have 30 days to bring your account positive. Tyndall will pay overdrafts at the credit union's discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If your transaction is declined, your check will be returned, or your electronic funds transfer will be canceled, and a Non-Sufficient Funds (NSF) Fee may be assessed; applicable merchant fees may also apply (please see current Fee Schedule for fee amount).