Tyndall Smart Checking

The biggest bang for your buck.

Smart Checking features the tools to help you get the most for your money, while allowing you quick, convenient access. With our greatest return rate, this account is a no-brainer.

High Annual Percentage Yield

The Tyndall Smart Checking Account offers the highest APY* of all our checking accounts, so you’ll earn more on the money in your account. And, there’s no minimum balance required. To qualify:

  • 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 (insurance payment, Netflix, etc.)
  • Have at least 15 debit card transactions per month

It’s that easy.

ScoreCard® Program

Choose “credit” when you use your Tyndall debit card and earn Bonus Points1 that can be redeemed for great prizes and travel rewards.


*APY = Annual Percentage Yield. Account subject to approval. If Smart Rate requirements are not met for the month, the Base Rate will apply. Rate will apply to the first $50,000 of Smart Checking Account balance; Cap Rate will apply to any amount over $50,000. All account criteria must be met by 7:30 pm (Central) on the last day of the month in order to receive the earned APY. Other requirements or restrictions may apply; account terms and conditions are listed on Share/Share Draft Account Disclosure. Fees could reduce earnings on the account. Variable rate; rate subject to change after account opening. SMART CHECKING ACCOUNT RATE, BENEFITS AND REQUIREMENTS ARE SUBJECT TO CHANGE AT ANY TIME. If you are not actively enrolled in e-Statements, a low monthly service fee will apply. You must be at least 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; Courtesy Pay is not available for account owners under the age of 18.

1Purchases that earn Bonus Points are net purchases (sales minus returns). ScoreCard Bonus Points will expire immediately if your related checking account is closed or if your debit card is blocked and not replaced. ScoreCard Bonus Points on your Tyndall debit card expire three years from the date of purchase. Membership required; an initial $1 non-refundable membership fee will apply.