Earn when you spend!

Earn one of the highest interest rate checking accounts in the country! Just use your Tyndall debit card for everyday transactions like gas, groceries, pharmacies, restaurants, Amazon purchases, Netflix and more.

HOW? Use your Tyndall debit card on average 1 time per day or 30 times per month* for a limited time, be enrolled in Online Banking and set up a direct deposit, then your Smart Checking account interest rate increases to 2.02% APY. Online purchases and subscriptions count too!


Open an Account


Daily BalanceDividend RateAPY**

Swipe 30+ times

$0 and $25,000

2.00% 2.02%

Swipe 30+ times

$25,000.01 and $50,000

1.00% Range from 2.02%-1.51%

Swipe 30+ times

$50,000.01 and greater***

0.05% Range from 1.51%-0.78%
Swipe 0-29 times 0.00% 0.00%

***assumed maximum balance of $100,000 for purpose of disclosure only


Smart Rate Requirements

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 Tyndall Cards app, you can turn your card on and off if you lose it or suspect suspicious activity, get card alerts to your phone and even set spending thresholds.


Security features
You can look out for your card security with Tyndall Cards, 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.


  • 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)

If your employer does not require a specific Direct Deposit form, you may complete our Payroll Authorization form and submit it to your Payroll/Accounting department. If you need any help, please contact us through Video Banking.

Payroll Form

*From September 1, 2021 through January 31, 2022, swipe 30 times per month to receive this special Smart Checking offer. After February 1, 2022, the regular 41 swipes minimum for Smart Checking will resume.

**APY = Annual Percentage Yield. Click here for Smart Checking Account disclosures. BENEFITS AND REQUIREMENTS ARE SUBJECT TO CHANGE AT ANY TIME. Rates may change after account is opened. Fees could reduce the earnings on your account. If you are not actively enrolled in e-Statements, a low monthly fee will apply. To qualify for smart rates, the member must be enrolled in Online Banking, have at least one $250.00 or greater ACH credit transaction per month, and have at least 41 debit transactions per month. APY accurate as of March 1, 2021. You must be 13 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).