Smarter spending

Accounts that set you up to thrive.

Open Checking Account

We’ve Got You Covered

No matter the checking account you open with us, ORNL FCU members enjoy all of these essential features for free.

Online Banking

Pay bills, transfer funds, and manage cards from your digital device.

Mobile App

Bank with us anywhere you go with our free, secure app.

ATMs

Access to 30,000 fee-free ATMs nationwide.

Secure Debit Card

All of our debit cards are equipped with secure EMV chips.

eStatements

Enroll in paperless statements for fast, secure updates.

Spending Plus

A step up from our basic checking account, Spending Plus grants you additional benefits so your relationship with money can flourish. Open this account with an initial $25 to enjoy these benefits:

Premium rate paid up to $5,000^*
No minimum balance and no monthly fees.
Dividends paid monthly.
Two (2) free boxes of standard-design checks per year.^**
No fee for domestic wire transfers
Up to four (4) free cashier's checks or money orders quarterly.
Limit one account per primary member.

Open New Member Account

Already have a checking account? It's easy to upgrade to Spending Plus. Just call 800.676.5328.

Want to add a new checking to your current account? Call or go to Accounts > Quick Apply in Online or Mobile Banking.

^{* Annual percentage yield. Based on dividend rate of 3.928%. A premium 4.00% APY is earned on balances between $0.01 and $5,000. Balances over $5,000 earn 0.01% APY. Rates effective as of 3/1/2024 and are subject to change. ** Spending Plus members under the age of 60 pay shipping and handling.}

Spending

Perfect for those who want to get started with the basics to thrive.

Set up direct deposits.
Deposit, withdraw, and transfer funds.
Get a debit card with secure EMV chip.
Stress less with no minimum balance and no monthly fees.

Open New Member Account

Already have a checking account? It's easy to upgrade to a Spending account. Just call 800.676.5328.

Want to add a new checking to your current account? Call or go to Accounts > Quick Apply in Online or Mobile Banking.

Digital Spending

Spend responsibly and earn cash back on your debit card purchases.† Open this account with an initial $25 to enjoy these benefits:

Earn $0.05 per debit card purchase, up to $10 per month.
Stay financially empowered by spending smarter.
Use your debit card for recurring bills and daily purchases to maximize your rewards.
Stress less with no minimum balance and no monthly fees.

Open New Member Account

Already have a checking account? It's easy to open a Digital Spending account. Just call 800.676.5328.

Want to add a new checking to your current account? Call or go to Accounts > Quick Apply in Online or Mobile Banking.

Senior Benefits

ORNL FCU members that are 60 years and older with a Spending account enjoy premium benefits at no additional cost:

Two (2) free boxes of standard checks annually.
No fee for domestic wire transfers.
Up to four (4) free cashier’s checks or money orders quarterly.
No paper statement or single service account fees.

Give us a call today to start your account 800.676.5328.

Debit Cards That Protect & Save

Keep your card safe with powerful tools in Online and Mobile Banking including real-time transaction alerts and card lock.

More Safety Features & Tips

Add your card to your favorite phone app, round up each purchase to save money, and enjoy nationwide fee free ATMs.

Explore Debit Card benefits

Simplify Your Spending

Put your mind at ease by activating Overdraft Protection. This feature means never having to worry about returned check fees or whether you have enough funds in your account—we’ll automatically transfer any necessary funds from a designated source to your spending account.

Call us at 800.676.5328 to activate Overdraft Protection on your account.

Frequently Asked Questions

If you are new to the Credit Union, you can open your account here: ornlfcu.com/join-today.
If you are a current member and want to open a new checking or savings account or a new certificate, the easiest way is through Online and Mobile Banking. Navigate to Accounts > Quick Apply.
New and existing members are welcome to visit a local branch or call 800.676.5328 to open a new account.
If you are planning any travels within the U.S. or overseas, please submit a travel notice to avoid any interruption in debit or credit card usage due to security precautions. To submit a travel notice, please log into Online or Mobile Banking or visit your nearest branch. Also, please know that VISA has specific guidelines in place for Russia, Bulgaria, Ukraine, and Romania.
Every time you use your check card the transaction will be rounded up to the nearest dollar. At the end of each business day, the accumulated amount from each of the transactions will be transferred from your Spending Account into your designated savings account as a single transaction. You deduct the “rounded up” transaction in your check register to reconcile.
EXAMPLE: If you go to Target and spend $94.73 and pay with your VISA Check Card, the transaction that posts to your Spending Account will be exactly $94.73, not $95.00. For this purchase the round up portion would be 27₵. At the end of the day the 27₵ will be transferred from your Spending Account to the savings account you chose when you enrolled into VISA Check Card Round Up.
You must be 18 years of age or older and have an ORNL FCU Spending Account with a debit card and a savings account (Membership Account, Plan Ahead Savings, or Money Market Account).
There is no cost to enroll. Also, the round up transfer will only happen if you have extra funds at the end of the day; the round up transfer will never overdraw your account. Simply call or stop by any branch to sign up today!
ORNL FCU will round up the amount of any VISA Check Card purchase made by you or a joint owner of your Spending Account to the next whole dollar amount, and transfer the amount in excess of the purchase price from your Spending Account to your savings account. If you have multiple debit cards on an account, all card activity will be treated the same.
ORNL FCU will aggregate the round-up from VISA Check Card (debit card) purchases that post to your Spending Account each business day and make a single transfer (the “Round Up” transfer) at the end of the business day.
If on a business day you do not have sufficient available funds in your Spending Account, or if any transaction has overdrawn your Spending Account, we do not round up purchases posted on that business day and we cancel the VISA Check Card Round Up transfer for that day.
If your VISA Check Card purchase is subsequently canceled or reversed, the corresponding VISA Check Card Round Up transfer will remain in the savings account.
VISA Check Card Round Up is available only on a debit card linked to your ORNL Credit Union Spending Account.
We may cancel the VISA Check Card Round Up service at any time. Always keep track of your share draft accounts to avoid any possible non-sufficient funds (NSF) fees. By signing this document you agree to these terms and conditions.
We don't want to see you go, but understand you may need to close an account. In most cases, we can close your account quickly when you call 800.676.5328 or visit a local branch. The account must be in good standing with no negative balance and no charge offs. You will need a valid, government issued ID.
To close an individual share on your account, the balance must be brought to $0.00. The Membership Savings cannot be closed without closing the entire account.
To close the entire account, any loans must be paid in full and all shares and loans closed.
Please be sure to review and make plans for all of your automated transactions including payroll and Social Security deposits and utility, phone, and insurance payments.

* Annual percentage yield. Based on dividend rate of 3.928%. A premium 4.00% APY is earned on balances between $0.01 and $5,000. Balances over $5,000 earn 0.01% APY. One Spending Plus account per member. Rates effective as of 3/1/2024 and are subject to change.

** Spending Plus members under the age of 60 pay shipping and handling.

† Signature and PIN purchases qualify. ATM withdrawals do not qualify. Direct deposit within 35 days of statement date. Online/Mobile Banking requires a successful login every six months to remain active. Purchases that qualify include:

Transactions requiring a signature or PIN
Digital purchases (such as Amazon, Uber, etc.)
Gas, groceries, and similar transactions
Monthly bills (such as phone and utilities)

To qualify for Digital Spending account benefits, you must have 15 or more debit card purchases per month and must be enrolled in:

Direct deposit or our Round Up program
Online/Mobile Banking
Bill Pay
eStatements

Direct deposit enrollment is required within 35 days of the statement date. To keep Online or Mobile Banking accounts active, successful logins are required every six months.

Smarter spending

We’ve Got You Covered

Online Banking

Mobile App

ATMs

Secure Debit Card

eStatements

Spending Plus

Spending

Digital Spending

Senior Benefits

Debit Cards That Protect & Save

Simplify Your Spending

Frequently Asked Questions

How do I open a new checking or savings account?

What do I do if my card is lost or stolen?

How do I note my card for travel?

How does Round Up work?

How to Qualify for Round Up

VISA Check Card Round Up Terms and Conditions

How do I close a checking or savings account?