Tyndall First 

Restrictions

• Must have Direct Deposit
• Restricted for online use only. Tyndall First Accounts are only accessible by calling the Contact Center or Online.
• e-Statements only; will revert to Classic Checking if opted out of paperless. 

Click for Tyndall First Spend Account disclosures. To qualify for the features and benefits of a Tyndall First Spend account you must be of legal age, enrolled in electronic statements, account can be single account ownership or joint ownership, and have a minimum of $500 in qualifying direct deposits per month and your account must be open and in good standing. The minimum amount to open a TFS account is $25.00.  After opening the account, there is no minimum balance requirement. Get paid early. Direct Deposit one day early, employer dependent. Cash Back. 1% cash back on debit card purchases; capped at $1,500.00 in total monthly purchase spending; the TFS account will be credited at the end of each month; you must have at least $500.00 in qualifying deposits via ACH and/or Mobile Deposit each month to qualify for cash back. Your TFS account must be open on the last day of the month for cashback to be earned & credited. Fee Free Courtesy Pay. Applies to debit card purchases only (you must opt-in to authorize and pay overdrafts on ATM and everyday debit card transactions); after a $200.00 negative balance is reached our standard Courtesy Pay Fees will resume; you must have at least $500.00 deposited via ACH and/or Mobile Deposit each month to qualify. See our Rate & Fee Schedule for our Courtesy Pay fees. You must bring your account to a positive balance as soon as possible, within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay them. For example, we typically do not pay overdrafts if your account is not in good standing. Automatic Savings. Each Debit Card transaction will be rounded up to the nearest whole dollar and that difference will be transferred to your savings account each day; this automatic savings feature will not bring the TFS account into the negative. Fees. The TFS account has no monthly maintenance or service charges. Electronic Statement & Notice Requirement. The TFS account is all-electronic. By opening a TFS account, you agree to receive all periodic statements & notices electronically.  Should you revoke your opting-in of electronic statements & notices, the TFS account will be modified to our then Classic Checking account or equivalent and be subject to those rates, terms & fees. To deliver this valuable free and benefit-rich account, we are only able to offer it as an online-only spend account. This means you can bank Online, Anytime, Anywhere! We can help you Online or through our Contact Center. Membership is required; No membership fee applies; Subject to change. Other restrictions may apply. 

Tyndall First Companion Card: *APR=Annual Percentage Rate. For existing members with a Tyndall First account that open a credit card, the introductory rate on purchases is 0.00% APR for 6 months. After the 6-month period, the APR on purchases will convert to your standard APR. Offer is valid for 30 days from date listed on this email. The standard rate on Tyndall credit cards is currently {{RATE}} -{{RATE}} APR, based on creditworthiness, which will vary with the market based on the Prime Rate. This rate is accurate as of 1/19/25. The Index used to determine your variable APR is the Prime Rate published in the Money Rates column of the Wall Street Journal on the last business day the rate is published in each calendar month. If the Prime Rate changes, the new rate will take effect on the first day of the next billing cycle. As of 12/19/24, the Prime Rate is {{RATE}} . New credit card loan subject to completed application and approval. We may deny extending credit to you if, after receiving your application, we find that you do not meet the criteria used to select you, or if we find that your income is not sufficient to meet Tyndall’s guidelines. Foreign transaction fees: international transactions that involve currency conversion - 1%, international transactions that do not involve currency conversions - .8%. Ask for your specific rate. Your due date is at least 21 days after we mail your billing statement. Late payment fee is 10% of payment due with a minimum of $2.00. All rates and offers are subject to change without notice. Other restrictions may apply. Membership required; NO membership fee applies.