Checking Accounts

Open an Account

All of our checking accounts are free, and designed to simplify your life by saving you time and money.  Choose the account that best fits your lifestyle. Regardless of your choice, we've got you covered with our Checking Protection Package. This package includes CardValet, Overdraft Transfer Protection, Courtesy Pay, and Debit Card Courtesy Pay. These services work together to create multiple lines of defense against unexpected surprises, so you always have the money you need for the things you want. 

Free Choice Checking

Free Choice Checking

Choice Checking is your number one choice in checking accounts! This is a genuinely free checking account that pays better than certificate dividends on balances up to $20,000, plus refunds your ATM fees from other institutions nationwide, when you meet these three easy requirements:*

  • Have at least 12 Debit Card transactions post and clear per Choice Checking cycle
  • Enroll in and receive E-Statements
  • Have at least one Direct Deposit or automatic electronic payment post and clear per Choice Checking cycle, or have one Credit Card purchase post per Choice Checking cycle

Choice Checking includes free 24/7 online access, surcharge free ATMs nationwide, and other conveniences (see below).

Free Checking

Free Checking

When we say "free," we mean it! Our Free Checking Account gives you unlimited check writing with no monthly service charge and no minimum balance requirement—but it doesn't skimp on all the conveniences you expect from a checking account (see below).

Money Market Checking

​Money Market Checking

Earn a Money Market dividend rate on this free account. Minimum balances required to earn dividends and certain restrictions apply. (See current rates for more information).

Patron Checking Benefit

Patron Checking Benefit

TLC offers a checking account benefit for primary members that are 62 years of age or older. In addition to the regular features of their TLC checking account (Free Checking, Choice Checking, or Money Market Checking), they will receive the following benefits:

  • One free box of checks per calendar year.  TLC basic checks ("Image") are free of charge.  If you prefer a different style of checks, you will only pay the difference between the style you choose and the TLC basic checks.
  • Unlimited cashier's checks issued from the Patron Checking Account at no fee.
  • No fee for Money Orders.

Patron members need to be 62 and must be the primary member on the account. Each primary member will be allowed two Patron Checking Accounts.

Checking Conveniences

Reorder Checks

All of our checking accounts provide the convenience and access you need, including: 

  • Free Debit Card or ATM Card.
  • Surcharge free ATM access at over 30,000 ATMs nationwide.  Plus, when you meet the Choice Checking requirements, we will refund up to $25 in foreign ATM fees per month!
  • Free Online Banking with optional Bill Pay
  • Five TLC locations along the Oregon Coast, nine Fibre Federal locations in the Lower Columbia area, and over 30,000 Shared Branch locations nationwide.  Click here for locations.
  • Free Direct Deposit and Payroll Deduction for making automatic deposits. Check deposits may also be made at TLC ATMs.
  • Reorder checks online. To reorder the same style of checks you already use, with no changes, click here.  You will need your account number and the routing number that appears on the bottom of your check. To change check styles or change information printed on the checks, visit or call any TLC branch

Routing Number

To initiate Direct Deposit and/or Payroll Deduction, you may need our Routing Number (ABA), which is 323380766.

Checking Plus Accounts

Effective November 1, 2016 TLC no longer offers new enrollments in this program. Existing checking plus account holders can still login to access benefits here.

Please Contact Us with any questions. 

See Rates and Terms


* Portion of balance over $20,000 earns 0.05% APY. ATM fees (up to a maximum of $25 per cycle) will be refunded if account requirements are met. If the account requirements are not met, the APY will be 0.01% and ATM fees will not be refunded. Limited to two accounts per membership. Business Accounts are not eligible. Choice Checking Cycle = from the 25th of month to the day before the last day of the following month.