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Tyndall First 

Online Spend and Savings account.

Existing members can apply through the Contact Center at 850-769-9999

Fee Free, Online Only, Get Paid Early
Make your everyday banking pay with a Tyndall First spend and savings account
 
Tyndall is proud to offer a new way to bank. A Tyndall First account gives you the freedom to bank anytime, anywhere-- with no account or ATM fees. You'll also earn 1% cash back on debit card spending* and build your savings account with automatic round-ups.
 
Plus, open your account between now and December 31, and earn $100!*
Tyndall First Blue Box

Check out the features of a Tyndall First Account

  • Easy access, any time, anywhere: Free highly-rated mobile app to manage your account.
  • Earn money from everyday spending: 1% cashback (up to $5,000 spent per month): *Up to $50 per month.
  • Save for the future: Daily debit card transactions are rounded up and deposited into savings.
  • Get paid early: *Direct Deposit one day early.
  • Worry-free from overdraft: Fee-free Courtesy Pay up to $200.
  • Online-only account with free Bill Pay.
  • Free ATM network & no monthly fees!
  • Build your credit: With an optional companion credit card with a limited-time intro rate for the first 6 months.
  • Feel safe with online account security.
  • Mobile Wallet: Add your Tyndall Debit Card to your smartphone mobile wallet for easy transaction payment on the go!  

Branch Services not available for Tyndall First members.

Every day, we "round up" your extra change, which automatically transfers from your Spend account to your Savings account. All you need to do is watch it grow!

Tyndall First Frequently Asked Questions

How do I set up a Tyndall First Account?

You can set up your Tyndall First account Online.  

How long does it take for my account to be set up online?

Most accounts are opened online within 2 business days as long as the application is fully completed.

If I already have a Tyndall Checking account can I open a Tyndall First account?

Yes, as long as you convert your current checking account to a Tyndall First Account and don’t have a joint owner on your account and use your same membership. 

If I convert my existing Tyndall Checking account, will my direct deposit automatically convert to my new Tyndall First Spending account?

Yes, if your direct deposit is already going into your checking account then it would remain the same. 

How do I convert my existing Tyndall Checking account to a Tyndall First Spending account?

Submit a request via Online Banking (Form Name: Upgrade to Tyndall First Spend Account) or through our contact center at 850-769-9999.  

Can you define what an Online Only account is?

This means you can bank Online, Anytime, Anywhere! We can help you Online, through our Contact Center at 850-769-9999. 

Can a Minor set up a Tyndall First Account?

No, you must be of legal age to open a Tyndall First account. 

How do I set up my companion promotional Credit Card?

You can apply online at Tyndall.org, or through our lending center at 850-769-9999.

How does the Round up Savings work?

Say you do 2 spending transactions today both totaling .25 cents each, at the end of today we’ll round those 2 spending transactions to $1 each and then automatically transfer the $1.50 from your Tyndall First Spending account into your savings account. Think of it as automatic savings and every transaction is rounded up to help you save for the future. 

Can a member opt out of the automatic round-up savings feature?

No.

Can I order checks or get a check?

Yes, you can order through Online Banking as well as use Bill Pay through Online Banking. 

When will I get my Debit Card in the mail?

10 to 14 Business days from the time your account is opened you’ll receive it in the mail. *Cards can’t be ordered until the account is funded

When will I receive the cashback every month?

Cashback deposits will be made on the last day of the month and posted into your Tyndall First Spending account by the first day of the following month for activity from the previous month. 

If I can’t go to a branch, how do I make cash deposits?

You can make cash deposits at any Tyndall ATM.

How much can I earn in cashback?

1 % cashback up to $5,000 spent each month with a maximum of $50 per month or $600 per year. 

How does the Worry-Free from Overdraft: Fee Free Courtesy Pay up to $200 work?

We’ll cover your point of sale transactions up to $200 negative with no fees. If you have a linked overdraft source such as your savings account or Tyndall Credit Card and you don’t have funds in your Tyndall First Spending account, Tyndall will look to that overdraft source first and if no funds are available you can go negative up to $200 with no fees.

 

Example: You have $100 in your Tyndall First Spending Account and $50 in your Savings Account and you go to the ATM and withdraw $350 from your Tyndall First account it will withdrawal the $100 from your Spending account, and the $50 from your savings account, and the $200 Fee Free Courtesy Pay will cover the additional $200 with no fees.  

When does the Worry-Free from Overdraft: Fee Free Courtesy Pay up to $200 start?

31 days after your account has been opened. 

How does getting paid early work?

After your recurring direct deposit has been established we’ll deposit your paycheck 1 business day early *Restrictions apply; Available for most employers.

Example: You typically get your payroll deposited on Friday, with getting paid early, Tyndall will deposit your payroll on Thursday so your funds are available early. 

Existing members can apply through the Contact Center at 850-769-9999

Have a question?


Restrictions

Click here 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, single account ownership required (no joint owners allowed), 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 swipes; capped at $5,000.00 in total monthly swipe 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 swipes 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, through our Contact Center or Video Banking. Membership is required; No membership fee applies; Subject to change. Other restrictions may apply. 

The $100 promotional offer is available for new or existing members who open or convert their existing checking account to a Tyndall First Spend account from October 1, 2022 - December 31, 2022 and complete the qualifying criteria. Must deposit (direct deposit, mobile deposit, or ATM deposit) a total of $500 or more to be eligible for this promotion. The $100 deposit will be posted to the savings account 30-days after your account has been opened and the direct deposit requirements have been met. Other restrictions may apply.