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Smart Checking

Want to earn money while you spend?

Check out the benefits of a Tyndall Smart Checking Account

Earn one of the highest interest rates in the country on a checking account! Just use your Tyndall debit card for everyday transactions like gas, groceries, pharmacies, restaurants, Amazon purchases, online services and more.

All you have to do to earn our high-interest rate* is use your Tyndall debit card on average 1 x per day or 30 times per month, be enrolled in Online Banking, opt into e-statements and set up a direct deposit

Not only do you earn cash back, but with every five dollars you spend you earn one point back in rewards. Visit Tyndall Rewards to learn more.

Get convenient access, complete control with our Tyndall Cards App, and security features to help you protect yourself and your account. Along with:

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.

Panama City Beach Florida

*Effective May 01, 2022, swipe 30 times per month to receive this special Smart Checking rate. 

2.02% APY* = Annual Percentage Yield. Click here for Smart Checking Account disclosures. BENEFITS AND REQUIREMENTS ARE SUBJECT TO CHANGE AT ANY TIME. Rates are variable. Fees may reduce the earnings on your account. To qualify for the rate your account must be in good standing, be enrolled in Online Banking, have at least one $250.00 or greater ACH credit deposit transaction per month, must be enrolled in electronic statements, and have at least 30 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; No membership fee applies.