Checking Accounts

Choose the Right Account for Your Needs

A checking account at Time Federal is more than just a place to deposit  your hard-earned money. Each of our checking accounts come with additional benefits to help you maximize your financial potential and reach your goals.  As a checking account holder at Time Federal, you'll also get the friendly, knowledgeable customer service you deserve whenever you need assistance.

Checking Account Options

Once you find the checking account that best fits what you’re looking for, use our online Deposit Account Application to start the process of opening an account!

PERFECT FOR...Those who don't want to worry about account requirementsRewarding higher balances with a higher rate of returnThose who like to earn interest on checking and save for their futureReceiving Direct Deposit  Social Security or Pension
MINIMUM REQUIREMENT TO AVOID FEESNo Minimum Balance$500 Minimum Daily Balance 
$3/month fee if balance goes below during statement cycle
Maintain $5,000 CD or IRA (minimum 6-month term)No Minimum Balance
CHECK WRITINGFirst 25 FREE per cycle  ($1.00 per cycle if more than 25 checks)Unlimited Check WritingUnlimited Check WritingUnlimited Check Writing
All of the above Checking Accounts offer the following products and services:
  • FREE Debit Card   *subject to approval   **replacement fee in some circumstances
  • SurchargeFree ATM Access at participating ATM ACCESS and Privileged Status Networks Nationwide
  • FREE Online Banking
  • FREE Bill Pay when used monthly *$5.50/month fee after three consecutive months of inactivity
  • FREE eStatements or Paper Statements
  • FREE TIME-24-Access Telephone Banking
  • FREE Shazam Bolt$ Fraud Alerts
  • FREE Notary Services 
  • Direct Deposit - Payroll, Social Security, Pension
  • Automatic Payments and Transfers
  • Optional Overdraft Protection from your Savings Account
  • Telephone and Wire transfers available
  • Night Depository at all Time Federal locations
  • Identity TheftSmart Protection - Credit Monitoring and Identity Restoration Services
1 The Daily Balance Method of interest calculation is used for accounts that earn interest. Interest rates will vary depending on the current rates being paid and balance in the account. Contact us for current rates and fee schedules.

New Deposit Accounts are accepted from a customer who is a resident of, or a business or non-profit located in the following counties in which we maintain an office or that are located nearby.  These counties are:  Taylor, Price, Rusk, Sawyer, Ashland, Iron, Oneida, Lincoln, Langlade, Marathon, Portage, Wood, Clark, Eau Claire, Chippewa, Barron, Dunn, Pepin, Buffalo, Trempealeau, and Jackson.