See all the ways to pay and steps here.

The maximum you can withdraw from an ATM is $500 in 24 hours. This limit includes any 'cash back' amount you may have received at a point-of-sale terminal during that time period.

No. If you have more than one member number with Tyndall, you will have a different debit card (or ATM card) to access each one. You must use the card that is specific to the member number to which you are making the deposit.

You can, however, deposit the funds to the account of one member number at the ATM, and then transfer part of the funds to your other member number through Online Banking or Mobile Banking. Please note that if you deposit checks, the funds may not be immediately available for transfer.

No. The machines cannot accept coins.

As monthly payments are made, the savings balance will increase (available balance will remain the same). This hold does not affect additional funds that are on deposit in the savings account.

If you are paying from an account at another financial institution, you will need the routing number and account number for your account at the other financial institution. If you are using a debit or credit card, you will need the card number, expiration date, and security code.

Yes. Before you accept the deposit, you can cancel the transaction by pressing the 'Cancel' button on the keypad.

You can pay off your loan through this service if your payoff balance is $2,000 or less. Please be sure you know your full payoff balance.

If your payoff balance is higher than $2,000, please speak with a Tyndall representative at 850-769-9999 (888-896-3255, toll-free). You may also pay off your loan in person at any Tyndall branch. Fees may apply.

¹ To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.

Data charges may apply. Check with your mobile phone carrier for details. App Store is a

service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Play and the Google Play logo are trademarks of Google Inc.

Copyright © 2026 Fiserv. All rights reserved. Terms and conditions apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

You may skip your Tyndall loan payment on the following types of loans:

• Auto
• Credit Card
• Boat
• Motorcycle
• RV
• Personal Signature
• Line of Credit

Note, you must have made the previous month's payment before skipping a payment. Eligible loans can be skipped up to 10 days after the due date. However, if automatic payments are set from a non-Tyndall Financial Institution, your loan is skip-eligible 10 days before the payment due date.

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Tyndall Federal Credit Union send limits, call us at 850-769-9999.

There are no limits to the amount of money you can receive with Zelle^®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

In order to use Zelle^®, the sender and recipient's bank or credit union accounts must be based in the U.S.

Our Skip-a-Payment process is handled 100% through Online & Mobile Banking. If you want to skip your payment, you must submit a Skip-a-Payment in Online or Mobile Banking. If you are not registered for Online or Mobile Banking, please follow these instructions to sign up.

For more than 70 years, we’ve delivered personalized financial service and tangible value to our members. Named the #1 Credit Union in Florida by Forbes in 2026, we serve members in all 50 states with competitive rates, convenient banking tools, and guidance that supports stronger financial futures. We give back through financial literacy programs and by directly supporting our communities, because it is our mission to make a meaningful difference in the lives of our members.

Keeping your money and information safe is a top priority for Tyndall Federal Credit Union. When you use Zelle^® within our Mobile Banking app or Online Banking, your information is protected with the same technology we use to keep your bank account safe.

You may not see your loan because of one of the following reasons:

• The skip request window has passed. Eligible loans can be skipped up to 10 days after the due date. However, if automatic payments are set from a non-Tyndall Financial Institution, your loan is skip-eligible 10 days before the payment due date. In order to allow time for processing, this deadline is enforced. If you are already past this deadline, please make your payment, and you can skip the next month.
• Your payment is too far ahead. If your loan payment is paid too far ahead, the loan is ineligible to be skipped due to regulatory limitations.
• You recently skipped a payment. If you just skipped your loan payment, you will not see the loan eligible for a consecutive Skip-a-Payment until the due date has advanced.
• It is your first loan payment. If this is your first loan payment, the loan payment is ineligible to be skipped. In addition, your loan must have been booked 46 or more days ago.
• Your loan was opened with a promotion. If you booked your loan under a 90 Days No Payments promotion, the loan is ineligible to be skipped until after the 12 payments have been made.
• Your account or loan is not in good standing. If you have a bankruptcy on record, the loan is ineligible to be skipped. Your accounts and loans must be in good standing.
• You have an approved loan deferment. If you have applied and were approved for a loan deferment, please note that this counts in the total amount of payments that can be skipped per year.
• Your loan type is not eligible. Real Estate Loans, Home Equity and HELOC Loans, Mobile Home Loans, Workout Loans, Courtesy Pay Loans, Credit Builder Loans, and Account Secured Loans are ineligible to be skipped.

Sometimes, when you use your card at a gas pump, the merchant will pre-authorize your card to make sure you have the funds available. They do this because you tap/swipe/insert your card before the merchant knows how much you will actually end up spending on gas. In fact, some gas stations will even do the opposite; they will only authorize $1. Don't worry. When the transaction is processed, your account will be charged the amount you actually spent.

We cannot waive the fee if you are paying from an external account. Remember, payments made from a Tyndall Savings or Checking account are free.

1. Download the Tyndall Cards app from the Apple App Store or Google Play Store

2. Tap "Enroll Now"

3. Enter your card details

4. Create your sign-in information

If you exceed your limit, any additional items presented for payment will be returned, and applicable fees will be assessed.

Remember, Courtesy Pay is a non-contractual courtesy extended to you by Tyndall, based on how well you manage your account. This service can be removed from your account at any time at the sole discretion of Tyndall.

It appears on your statement, and you will see it in your account history in Online or Mobile Banking. If you have Paperless Statements on your account, you will receive an electronic notice through the Paperless Statement section of Online or Mobile Banking. It is then your responsibility to bring your account back to a positive balance as soon as possible.

You may deposit a maximum of 30 checks at once.

Yes. You can make payments through the web browser on your mobile device.

This product was developed for those needing to build or rebuild credit.

1. Log in to the Mobile Banking App
2. Click Deposits at the bottom of your screen
3. Select the account you would like to deposit to
4. Enter the amount of the check
5. Capture a clear image of the front and back of your check
6. Tap Deposit

Yes. To open your Regular Share (Savings) account and join Tyndall, we require an initial minimum deposit of $5 which is your required share in the credit union. 

Once your Savings account is open, you may take advantage of all of our products and services. Your Savings account, with the required $5 minimum balance, must remain open in order to maintain your membership.

A mortgage satisfaction can take up to 45 days. The recorded mortgage satisfaction will be emailed to you. If we do not have an email address on file, then it will be mailed to the address we have on file.

You may deposit a maximum of 30 bills at once.

No, all Skip-a-Payments must be processed through Online or Mobile Banking.

We send out an annual Tax and Insurance Statement (also known as your Escrow Analysis). Due to changes in insurance premiums and property taxes, your payments can change because the Tax and Insurance portion of your payment changes. The statement is normally sent out in February, and the payment change is effective with the April 1st due date.

Two forms of identification are required to open a new membership.

Accepted Forms of Primary ID:

• Current and unexpired Driver's License
• Current and unexpired State Issued ID
• Current and unexpired US Passport
• Note: If address on provided identification is not in the membership area, a copy of a lease, utility bill or other proof of residence will be required.

Accepted Forms of Secondary ID:

• Current and unexpired US Military ID
• Social Security Card
• Insurance Card
• Student ID Card
• Utility Bill
• Birth Certificate
• Property Tax Bill
• Firearm License
• Voter Registration Card
• Organizational Membership Card

In general, the hold policy should be the same, whether you are making the deposit by ATM or in person.

You may see a difference, however, if you are depositing a payroll check. In the branch, we generally do not place a hold on a recognizable payroll check. The ATM, however, cannot make that distinction. If you need to ensure that you have immediate credit for a deposit, please take the check inside and speak with a Tyndall representative.

Yes, the ATMs are ADA-compliant. However, if you need to use the voice instructions, you must provide your own headphones.

You can pay your loan from an account at another financial institution, or by a non-Tyndall debit or credit card (Visa, MasterCard or Discover).

All principal funds will be released. However, the goal of this loan is to help you build credit over time.

"It can take several months to establish your credit score from scratch, and several years after that to continue to build and maintain a solid credit history." - Experian

Your receipt will show the balance and available balance of your account. You may also obtain this information through Online Banking, Mobile Banking, or the Automated Teller any time, day or night.

Since the item is paid to the merchant (or individual), you are not assessed a "Returned Check" (or other returned item fee) by that merchant.

Courtesy Pay provides a "cushion" for those unexpected emergencies or errors. While it is not an invitation to overspend, Courtesy Pay will assist you in the event of an overdraft.

If you have your loan payment set up to pay by ACH from another financial institution, you will be responsible to contact the other financial institution to adjust your next due date.

If you have a scheduled transfer or scheduled bill payment set up, you will be responsible to adjust your next payment date as applicable.

Neither Tyndall Federal Credit Union nor Zelle^® offers purchase protection for payments made with Zelle^® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you've used the correct email address or U.S. mobile number when sending money.

Your loan suffix is a 2-digit number that appears at the top of your account statement, as well as above the loan information on that statement. If it is a credit card statement, the loan suffix appears after the member number at the top of the statement.

You may also find your loan suffix in Online or Mobile Banking. In your Account Summary under Loans, your Account Number is listed (Examples: -01, -43, -64, etc).

Tyndall Federal Credit Union does not charge fees to send or receive money with Zelle^®, but there is a fee to cancel a Zelle^® transaction that is still pending because the recipient hasn't yet enrolled. If the recipient doesn't enroll with Zelle^® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed.

Your mobile carrier's messaging and data rates may apply.

Yes, your family members can join Tyndall Federal Credit Union, regardless of where they live.

If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.

If you have not yet enrolled with Zelle^®, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select Tyndall Federal Credit Union.
3. Follow the instructions provided on the page to enroll and receive your payment.
   Pay attention to the email address or U.S. mobile number where you received the payment notification — you should enroll with Zelle^®using that email address or U.S. mobile number where you received the notification to ensure you receive your money.

1. Tap "Travel Notices"
2. Tap "Get Started"
3. Add your destination
4. Add your departure date and return date
5. Tap "Save Trip"

In order to dispute a payment you made from an account, debit card, or credit card you have at another financial institution, please contact that financial institution.

Yes. You can control your Tyndall Credit and Debit cards from the Tyndall Cards app.

A credit union is a member-owned, not-for-profit financial institution that provides the same everyday banking services you find at a bank. Instead of distributing profits to shareholders, a credit union reinvests earnings into delivering greater value for its members through competitive rates, helpful services, and personalized support.

Members are often connected based on where they live, work, worship, volunteer, or an affiliated organization. Once you become a member, you are also an owner, giving you a voice in the credit union and a financial partner focused on helping you reach your goals.

The convenience fee for using the Web Portal service is $5.00 per loan payment.

No.

Since the checks are immediately imaged in the ATM and are sent to the Federal Reserve, the process is quicker. However, our standard check hold policy will apply.

No. You are eligible for Courtesy Pay after your Checking or Money Market account has been open for a minimum of 30 days. Accounts are reviewed daily to determine if they continue to meet the basic requirements of the program and to determine the limit.

It depends. Your relationship with Tyndall is considered in the evaluation of the deposit, as well as the type of check that was deposited.

Funds are subject to Regulation CC; funds availability may vary. Please review your available balance by logging into Online or Mobile Banking. If any funds are placed on hold, up to $5,525 will be available the second business day, and anything over $5,525 will be available on the 5^th business day.

1. Select Deposit

2. Select Cash as the Type of Deposit

3. Select the account where you would like the deposit to be made

The slot for the Currency Acceptor will open, and a green light will begin blinking above the slot. Insert your bill or stack of bills into the slot. You may deposit up to 30 bills at one time.

Once the cash has been accepted, the itemized list of the bills will appear on screen, along with the total amount of the deposit. If the amount shown is correct, press Process Deposit.

You can call or chat with us during business hours or report it on our Prevent Scams page.

1. Select Deposit

2. Select Checks as the Type of Deposit

3. Select the account where you would like the deposit to be made

The slot for the Check Acceptor will open, and a green light will begin blinking above the slot. Insert your check or stack of checks into the slot. You may deposit up to 30 checks at one time.

Once the check has been accepted, an image of the check will appear on the screen. If you deposited more than one check, you will have the opportunity to review the image of each check to verify it. You may edit the check(s), if necessary. The Check Deposit Summary screen will show you how many checks were deposited and the total deposit amount. If everything is correct, press Accept Checks.

For insurance, contact your insurance agent(s) and let them know that your mortgage is paid off and they need to update the billing party from Tyndall to you (some agents require the recorded mortgage satisfaction before removing Tyndall as the lienholder). For property taxes you should already be receiving a copy of your bill when payment is due. Some tax offices have it notated in their system that your property taxes were escrowed so you can contact their office and let them know they are no longer escrowed.

Please contact us immediately if there is a problem with your deposit. You may:

• Call our Member Care Center at 850-769-9999 (888-896-3255, toll-free),
• Chat with us or send us a secure message through Online or Mobile Banking, or
• Speak with a Tyndall Representative at any of our branches.

Tyndall does not hold the actual deed to the property. The borrower should have the original deed from when they first purchased the property. If the original deed has been lost or misplaced, a copy can be obtained from the Recording Office where the original document was recorded.

Titles are only issued on Mobile/Modular Homes. A lien release is sent to the Department of Motor Vehicles. Paper titles are mailed to the borrower. If the titles are electronic then the lien is just released.

Twice.

No. Cash deposits and check deposits must be done separately.

No. You cannot make any loan payments through the ATM. Please use one of our other services, such as Online Banking or Mobile Banking, to make your loan payment. Of course, you may also visit a branch or call our Member Care Center at 850-769-9999 (888-896-3255, toll-free) to make a payment.

You can send, request, or receive money with Zelle^®.

• To get started, log in to Online Banking or the Mobile Banking app and navigate to "Zelle^®".
• To enroll, accept the terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you will receive a one-time verification code. Enter it, and you're ready to start sending and receiving with Zelle^®.
• To send money using Zelle^®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes if they are already enrolled with Zelle^®.
• To request money using Zelle^®, choose "Request," enter their enrolled email address, U.S. mobile number, or Zelle^® tag, confirm the recipient is correct, and tap "Request."
• To receive money, share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle^®. If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your account, typically within minutes.
• If someone sent you money with Zelle^® and you have not yet enrolled with Zelle^®, follow these steps:
  • Click on the link provided in the payment notification you received via email or text message.
  • Select Tyndall Federal Credit Union.
  • Follow the instructions provided on the page to enroll and receive your payment.

Pay attention to the email address or U.S. mobile number where you received the payment notification – you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.

The money will be taken from your account (or posted to your card balance) within 1 - 3 business days after the scheduled payment date.

• Checks written on your Tyndall Checking (or Money Market) account
• ACH (automatic or pre-authorized) debits on your Tyndall Checking (or Money Market) account(s)
• Tyndall Debit Card transactions, including point-of-sale transactions (only if you have opted in to Overdraft Protection)
• ATM transactions, including point-of-sale transactions (only if you have opted in to Overdraft Protection)
• Tyndall Online or Mobile Banking/Bill Pay transactions

Please note: Automated Teller transactions are not covered by Courtesy Pay.

Please contact us at 850-769-9999. Qualifying imposter scams may be eligible for reimbursement.

To confirm your Skip-a-Payment has been approved and processed, log in to Online or Mobile Banking and check that your due date has advanced. Please allow up to 3 business days to receive your confirmation email.

If there is a problem with your Skip-a-Payment, we will reach out to you via email.

Zelle^® is a great way to send money to family, friends, and people you are familiar with, such as your personal trainer, babysitter or neighbor.¹

Since money is sent directly from your bank account to another person's bank account within minutes, ¹ Zelle^® should only be used to send money to friends, family, and others you know and trust.

If you don't know the person or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle^®. These transactions are potentially high risk (just like sending cash to a person you don't know is high risk).

You'll want to have the following information handy:

• your Tyndall member number,
• your loan suffix,
• the primary borrower's date of birth,
• the last four digits of the primary borrower's Social Security Number,
• a valid email address, and
• the zip code on your account.

Yes. Your deposits are insured up to $250,000 by the National Credit Union Administration (NCUA).

As of March 31, 2025, all users must be enrolled through one of the more than 2,300 banks and credit unions that offer Zelle^® in order to send and receive money. You can find a full list of participating banks and credit unions live with Zelle^® at Zelle.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

No.

Please contact our Mortgage Servicing department at 850-769-9999 ext. 8790 or email us at mortgageservicing@tyndall.org

Tyndall incurs expenses for processing loan payments with a credit card, debit card, or from accounts at another financial institution, so we cover those expenses by assessing a convenience fee for these payments.

Don't want to pay a fee? We encourage you to make Tyndall your primary financial institution by opening a Checking account and enrolling in Online or Mobile Banking. You can transfer your payment yourself or set up scheduled, recurring payments – for FREE.

1. Tap "Alerts"
2. Select the type of alert(s) you want to use
3. Select how you want to be notified
4. Tap "Save"

Tyndall Cards is an app that allows you to see what is going on with your money at all times, right from your smartphone. The app serves as great fraud prevention because you can have control over your cards from anywhere, at any time. Here are some of the things you can do with Tyndall Cards:

• Turn your card on or off
• Get instant transaction alerts
• View your balance and transaction history

Yes. If you deposit cash, you will see a list that shows the quantity of each denomination, along with the total amount of the deposit. Your receipt will also show the itemized list. If the amount is incorrect, you have the opportunity to cancel the deposit and have the bills returned to you.

No. It is a valuable service offered by Tyndall to qualified members and is designed to help you manage your account(s).

Yes. If you deposit checks, you will see an image of the check(s) on screen. You will have the opportunity to review each check and verify the amount. If the ATM misreads a check amount, edit the amount and make your deposit. You have the option of having the individual check images appear on your receipt as well. If you feel the deposit is incorrect, cancel the transaction and have the checks returned to you.

You will receive a tracking number at the time of the transaction, and you will receive confirmation by email, which will be sent to the email address you used when you registered. For Phone payments, you will receive a confirmation number at the time of the transaction.

Yes, a $20 initial deposit will be held in your savings to cover the first payment. This will be released after 90 days.

Mobile Deposits that are auto-approved will post to your account on the business day that you deposit it.

Posting runs bi-hourly, so the longest you should have to wait to see your deposit is 2 hours after you've received your email informing you that the deposit was approved.

Mobile Deposits that require review are reviewed in the order received. You will receive an email communication to inform you that your check has been received and that it is being reviewed. After the review is complete, you will receive a follow-up email to inform you of the status of the deposit.

Sending to a Zelle^® tag is just like sending to a recipient's email address or U.S. mobile number. Find Zelle^® in your mobile banking app, click "Send," and from the "Select Recipient" screen, type the recipient's Zelle^® tag. Then, enter the amount, hit "Send," and the money is on the way. Make sure to double-check that the Zelle^® tag is typed correctly, and when sending money to someone new, it's always important to confirm the recipient is correct by reviewing the contact name that is displayed before sending money.

At this time, the ability to create a Zelle^® tag is only available to eligible small business account holders. Please confirm with your bank or credit union if you are eligible to create a Zelle^® tag for your small business.

It's easy. Become a Member Today

Yes, visit Tyndall's Latest Scams and Fraud page to view the most current and relevant Scams and Fraud.

You can submit a Skip-a-Payment through Online or Mobile Banking. Follow the tutorial video below:

No. You would have to make two separate deposits. You could also deposit the funds into one of the accounts and then, in a separate transaction, transfer them to the other through the ATM. Please note, though, that if you deposit checks, the funds may not be immediately available for transfer.

If the deposit was made by check, you will have the opportunity to review the check on-screen and may make any necessary adjustments to the amount. If the deposit was made by cash, cancel the transaction, and your bills will be returned to you. You can then verify the amount yourself.

There are a few reasons that you may not be able to see your loans in the Web Payments Center.

• Loans are registered under the name of the primary borrower and cannot be viewed under the name and information of any joint borrower. Please make sure you are logging in with the primary borrower's information.
• If you have opened a new loan since you originally registered, your new loan will not appear. You must re-register in the Web Payments Center to have access to the new loan. Your old account will be deactivated.
• A loan must be in good standing to be accessed.
• We must have a valid mailing address on your account. Please log in to Online or Mobile Banking and verify/update the address on record.

No. Deposit slips are not necessary and should NOT be used. These high-tech ATMs instantly itemize and calculate each deposit automatically.

There is no monthly service fee for Courtesy Pay; you are only assessed a fee when you use it. If your account is never overdrawn, you never pay a fee for Courtesy Pay.

Each time Courtesy Pay is used, you are assessed a small Courtesy Pay Fee (refer to the current Rate & Fee Schedule for fee amount). There is a maximum of five (5) Paid NSF Fees per day.

If you have not used the service before, you will have to register to set up your account on the Web Payments Center. If you have already registered, log in.

If you can't remember your username or password, you need to set up a new account on the Web Payments Center. Your previous account will be automatically deactivated.

SWBC administers the web portal and cannot reset passwords.

Zelle^® QR code provides peace of mind, knowing you can send and receive money to the right person without typing an email address or U.S. mobile number. To locate your Zelle^® QR code, log in to the Tyndall Mobile App, click "Zelle^®". Next, go to your "Zelle^® settings" and click "Zelle^® QR code," and your QR code will be displayed under "My Code". From here, you can view your QR code and use the print or share icons to text, email or print your Zelle^® QR code. To receive money, share your Zelle^® QR code.

To send money, log in to the Tyndall Mobile App, click "Zelle^®", click "Send," then click on the QR code icon displayed at the top of the "Select Recipient" screen. Once you allow access to your camera, simply point your camera at the recipient's Zelle^® QR code, enter the amount, hit "Send," and the money is on the way! When sending money to someone new, it's always important to confirm the recipient is correct by reviewing the displayed name before sending money.

It may take 1 to 2 business days for the payment to post to your account. If your payment is due on the 15th of the month, for example, please schedule the payment to be made on the 13th of the month. If you need an expedited payment, please contact a Tyndall representative at 850-769-9999 (888-896-3255, toll-free).

No, Zelle^® payments cannot be reversed.

You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle^®. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select "Cancel This Payment." If you do not see this option available, please contact us at 850-769-9999 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle^® through their bank or credit union's Mobile Banking app or Online Banking, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you know and trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately call us at 850-769-9999 to determine what options are available.

Tyndall Cards works on the most recent and last two versions of Android and Apple devices, so make sure you have updated your device. Older systems might still be able to download the app; however, they may not have all the functionality.

Yes, the card on/off feature allows you to quickly disable or enable your card as a whole. This can help you protect your account if you have lost your card or if you suspect something fishy.

Your loan cannot be past due and your first payment must have been made. You can only submit a Skip-a-Payment up to 2 times per year, even though we offer it year-round. Eligible loans can be skipped up to 10 days after the due date. However, if automatic payments are set from a non-Tyndall Financial Institution, your loan is skip-eligible 10 days before the payment due date.

If you have applied and were approved for a loan deferment, please note that this counts in the total amount of payments that can be skipped per year.

If you are paid ahead on your loan, you may be ineligible.

Yes. You can schedule a payment up to 7 days in advance.

You may ask to be removed from Courtesy Pay if you wish. If you choose to do so, however, be aware that any items presented for payment will be returned if there are not sufficient funds in the account. Also, applicable NSF fees will be assessed.

To ask to be removed from Courtesy Pay, please contact a Tyndall Representative at one of our branch locations, log in to Online or Mobile Banking to chat or send a secure message, or call our Member Care Center at 850-769-9999 (888-896-3255, toll-free).

No. The "available balance" does not include your Courtesy Pay overdraft limit. In fact, in order to access Courtesy Pay at the ATM, you must have opted into Courtesy Pay for everyday debit transactions.

Please review the check that was returned to ensure that it was written properly for deposit. The most common reasons for rejection at the ATM are:

• The check is not signed on the front or not signed on the back,
• The check does not have a valid date on it,
• The check amount written on the 'legal' line does not match the amount written in the box,
• The check is damaged or unreadable,
• The background design of the check may be too "busy" for the machine to read the words on the check, or
• The check was printed on a home printer; the routing number and account number were not printed with magnetic (MICR) ink.

The Credit Builder loan reports as a secured installment loan.

Yes. You may select your regular payment amount, or you may enter any payment amount you choose, up to a maximum of $2,000 per transaction.

If you are past due on your loan(s), you will not be able to make the payment through the Web Portal. You must call the Member Care Center at 850-769-9999 (888-896-3255, toll-free) or visit your local branch to bring your loan back into good standing.

You will receive confirmation on your screen "Your check has been deposited." Additional deposit status details will be emailed to the primary account holder's email address on file.

There is no waiting period. Once your account is open, you can open a Checking account or apply for a loan right away.

A check will be issued and mailed to the address we have on file normally within 10-14 business days after the loan is paid off and closed.

No. The ATM is advanced enough to read the bills no matter which way they are inserted. They just have to be unfolded.

Please contact our Mortgage Servicing department at 850-769-9999 ext. 8790 or email us at mortgageservicing@tyndall.org

Notify Tyndall as soon as possible. Provide the name of your loved one, account number (if available), and the date of passing. You can notify us before the death certificate is obtained, so we can provide the next steps to maintain your loved one's account.

Usually, the original or a certified copy of the death certificate is needed. If you are an executor or next of kin, you may also need to provide identification and legal documentation, such as a certified copy of the Letters of Administration, Informal Order, or Summary Administration.

Once notified and after verification, the accounts are frozen to prevent unauthorized transactions. Funds are distributed according to account ownership (e.g., joint ownership, payable-on-death beneficiaries) or by instructions from the estate's legal representative.

If you are a joint owner, you typically retain full access to the account. However, once the account is maintained (with proper documents), we can update our records, and the account may be re-titled in your name.

Yes. All Direct Deposits should be reviewed. Direct Deposits (such as Social Security payments) should be stopped and may need to be returned, depending on the date received relative to the date of death.

Any outstanding loans or credit cards under the deceased member's name become part of the estate. The estate is responsible for paying them off. If there are co-signers or joint owners, they may become fully responsible. Any available funds will be applied to the outstanding debt.

Only individuals with legal authority, such as an executor or administrator of the estate, can access detailed account information.

You can fill out a request form or call us at 850-769-9999 for guidance.

Dividends or interest earned before the date of death will be included in the estate. Earnings after the date of death may also be included until the account is closed or transferred.

If a Social Security payment was returned in error after the member's passing, the estate or beneficiaries must contact the Social Security Administration (SSA) directly. We cannot reclaim or reissue these funds on your behalf. The executor or next of kin should:

• Call the Social Security Administration at 1-800-772-1213 or
• Visit your local SSA office.

Tyndall does not have any safety deposit boxes as of January 2018. Any safety deposit box before January 2018 would have been serviced by the account owner at that time.

If a minor is named as a beneficiary, funds may be held in trust or released to a court-appointed guardian, depending on state laws and credit union policy.

If there is no Will (the estate is "intestate"), state laws will determine how assets are distributed. The court will appoint an administrator to handle the estate, and we will release funds according to legal instructions provided by the court.

Yes. However, we won't be able to provide the payment amount unless you have been named as the executor or personal representative of the member's estate. For mortgages and other real estate loans, you may apply to become the Successor in Interest on the loan.

Tyndall's method of payment is via ACH to ensure funds arrive quickly and efficiently to nonprofits. This form is needed in order to deposit the funds and can be found within the application.

At this time, we are not sponsoring sports, cheer, or dance organizations due to the volume of requests we receive. Our areas of focus are education, armed forces, and human/health services.

Tyndall does not provide funds for:

• Individuals, including, but not limited to, employees of the grant recipient.
• Groups or organizations that have as their primary purpose attempting to influence legislation.
• Grants to primarily benefit employees or families of Tyndall Federal Credit Union, or to pay for services, subscriptions, tuition, or memberships.
• Travel expenses for groups or individuals.
• National conferences, sporting events, and other one-time events (excluding charitable events).
• Not to be used for employee salaries of the organization receiving the grant, and the funds must be used for the specific approved cause.
• Team sponsorships and athletic scholarships are not permissible.

We welcome applications from organizations that provide free medical, mental health, and human services that focus on improving the quality of life for individuals and communities. Eligible organizations are typically those that support vulnerable populations, such as but not limited to low-income individuals, the elderly, and those with disabilities.

Yes, we sponsor non-profits that focus on animal welfare, but they must be an established 501 (c)(3) organization dedicated to improving the quality of life for animals in need.

Community Grant applications will open in July and remain open through the first Friday in October. These grants will fund projects in the following year. If you are requesting funding for the current year, please refer to our Friend Grants.

With Bill Pay, you can pay any company or person you owe.

• Pay anyone in the United States that you would normally pay by check, automatic debit, or cash. We send the money electronically whenever we can. If the person or company can't accept electronic payments, we print a check and mail it for you.
• Review your payments and bills for the past 84 months in Activity. You can download your payment info to a comma-separated values (CSV) file. You can import the file into a number of different personal financial software applications.
• Send money electronically to people. They receive notification by email or text message.
• eBills. Save a trip to the mailbox or another website to get your bills. Some of your bills can be delivered right in Bill Pay. You can view your eBills in the Payment Center and pay them with a few simple clicks. You decide how much you want to pay and when you want to send the payment
• AutoPay. You can set up automatic payments to be sent according to a schedule you set. You can change or cancel AutoPay at any time.
• AutoPay for eBills. You can set up some eBills to be paid automatically according to options you set. You can change or cancel AutoPay for eBills at any time.

• Provide some info about the company or person you want to pay, and then tell us how much and when you want the payment made. We send your payment electronically when possible. If the person or company can't accept electronic payments, we print a check and mail it for you.
• The Payment Center lists the companies and people you can pay.
• Enter a payment amount and the date when you want processing to begin. The date when the company or person receives the payment appears in the Deliver By field. You can also view and select the date from the calendar.

Pay anyone in the United States that you would normally pay by check, automatic debit, or cash. You can pay companies, friends and family members, and service providers, such as the babysitter or the plumber.

Yes. Bill Pay uses several methods to ensure that your info is secure.

• SSL. Bill Pay uses SSL (secure sockets layer) which ensures that your connection and info are secure from outside inspection.
• Encryption. Bill Pay uses 128-bit encryption to make your info unreadable as it passes over the Internet.
• Automatic Sign Out. Bill Pay automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). This feature helps prevent another person from being able to resume your session if you walk away. For best security, don't use your browser's Back or Refresh buttons, and sign out immediately after you finish your tasks in Bill Pay.

Yes. Your personal info is used to help us maintain your account and verify your identity. We verify this info with a consumer credit reporting agency for your security and protection. The verification process does not affect your credit report, credit rating, or creditworthiness.

Please review the Terms of Service for a complete description of when Bill Pay must disclose info to third parties.

You can find the routing number on a check or deposit slip for your account. Look for the first nine digits in the lower left corner of your check or deposit slip. Some financial institutions publish their routing numbers on their website. If you cannot find the routing number, call your financial institution and ask for the number.

The routing number you provide must be valid for you to successfully add an account.

We place limits on an unverified account to protect you in case someone uses your account without authorization. Verifying your account enables you to use all available features in Bill Pay.

Go to Profile to view info such as:

• Your contact info (name, address, phone numbers, email address)
• Additional users on your account
• Service fee account

It is important to keep this info current because that's how we communicate with you.

You can use Payment Center to pay any company or person with a U.S. address. Payment Center offers the flexibility and convenience of sending money from one place.

• You can pay anybody in the United States or territories that you can pay using cash, check, or debit.
• We send the money electronically whenever possible. If the company or person can't accept electronic payments, we print and mail a check on your behalf.
• In Payment Center, tell us who to pay, the payment amount, and the delivery date. The money stays in your account until it's time for us to deliver the payment.
• When you add a company or person to pay, we save the contact info to make future payments even quicker and easier.
• We maintain relationships with thousands of companies, and manage their contact info for you.
• Payments made through Payment Center are guaranteed.
• You can send money electronically to people. They receive notification by email or text message.

We send payments electronically whenever possible. We send electronic payments to thousands of companies across the U.S. every day. People can receive electronic payments directly to their bank account.

If the company or person cannot receive electronic payments, we print a check and mail it to the address you provide. The check contains the following info:

• Your name and address
• The company or person's name and your account number with them, if available
• The payment amount
• The delivery date
• If you added a memo to your payment, the info is printed on the memo line of the check.

Yes, you can change a payment that has not started processing.

Each payment request is evaluated individually and may change each time a payment processes. A payment may switch from one payment method to another for a number of reasons. The way the payment is sent is dependent on the amount of the payment, as well as other data that is proprietary information. The evaluation used is set by our Bill Pay provider and is for security purposes. Tyndall cannot affect the method of payment chosen by the provider.

Bill Pay is provided through a third-party vendor, and they will update their terms and conditions from time to time. If you are presented with terms and conditions when entering Bill Pay, it is important to accept them before exiting your session in order to avoid cancellation of any scheduled payments.

Digital card access allows your new or reissued Tyndall Debit or Credit card to be available instantly in the Tyndall Cards app. You can begin using your card right away without waiting for your physical card to arrive.

You can choose to use your physical card once it arrives. The digital card is simply available for added convenience and immediate access. Your physical card will be mailed to you and should arrive within 10 to 14 business days.

Yes. Your digital card is protected with the same security standards as your physical card, along with added digital security features within the app and your mobile wallet.

You can use your digital card for online purchases or simply wait to use your physical card when it arrives.

Your card has been reissued with a new number, you will need to update recurring payments with merchants to ensure uninterrupted service.

• Monitor your accounts
• Keep your contact info up-to-date
• Be in the know
• Be aware of your surroundings

• Log in to Online or Mobile Banking and review your profile information to ensure that your contact information is up to date. Any changes can be made during this time to ensure that our fraud monitoring service is able to notify you in the event of a suspected fraudulent transaction. Be sure to follow the instructions of the fraud monitoring service to avoid disruption of your Tyndall cards.
• For your convenience, you can download our Tyndall Cards app, which allows you to enter your travel itineraries. Other great features of the app are the ability to turn your card on and off, set up transaction notifications, set up transaction limits, send balance notifications, and more!
• Please note: Your card activity will be monitored. If the fraud monitoring service notices a fraud pattern or specific fraud indicator, you will be notified to confirm a particular transaction. If you do not confirm the transaction via text message, email, or phone call, your card will be blocked and will remain blocked until the service receives a response from you.
• It is very important to make sure Tyndall has valid contact information for you so we and the fraud monitoring service can reach you during your time of travel.

A Home Equity loan lets you borrow money by using the equity in your home as collateral. Equity is the difference between your home's market value and the amount you still owe on your mortgage.

A Home Equity loan gives you a lump sum upfront with a fixed interest rate and fixed monthly payments. A HELOC works like a credit card: you can borrow as needed during a draw period, and payments may vary.

Common uses include home improvements, debt consolidation, medical expenses, swimming pool, A/C units, or other major purchases.

To qualify for a Home Equity loan, Tyndall reviews key factors like your credit score, income, debt-to-income ratio, home value, and how much equity you have in your home.

The Relationship Reward is a reward for members who meet certain criteria, designed to thank you for your loyalty to Tyndall Federal Credit Union.

To qualify, maintain an active Tyndall Checking account, make 5 monthly card transactions, receive a monthly deposit of $500 or more, and be enrolled in Paperless Statements within the same month.

You will only receive a reward for each month in which your account remains active and all qualifying requirements are met.

Yes, you can enhance your Relationship Reward by completing additional categories — Save, Borrow, and Live.

Yes, you must be a Tyndall member, and accounts must be in good standing to qualify for the reward.

You must have your current address on all accounts to receive your deposit.

Each time you make an eligible Debit card purchase, the transaction is rounded up, and the extra change is automatically transferred into your Savings account.

Round‑ups are typically small amounts, but they do reduce your Checking account balance slightly.

All Debit card purchases qualify for round-up savings. ATM withdrawals, refunds, and transfers are excluded.

Below are the most common disputes and what you can expect.

• An item you received: First, attempt to return the item. Items returned to a merchant should include a tracking number, shipping company name, date of return, and the address where the package was sent.
• Recurring billing or a subscription service: If the service has not been canceled according to your agreement with the merchant, you will need to cancel the service. When you cancel, document the date/time of cancellation, the cancellation number and details of how you canceled, or keep your cancellation confirmation message from the merchant.
• Double-billing or incorrect amounts: Provide your receipt.
• Non-receipt of merchandise or services: If the order is not received by the expected date in your order, then you must contact the merchant before filing the claim with us. If a date is not specified, you must wait 15 calendar days after the order date before filing a dispute.
• A refund not being posted to your account: You must provide the refund receipt for your claim. Without the receipt, we cannot file a claim on your behalf.

You will receive a claim confirmation in one of the following ways:

• If you submitted via Online or Mobile Banking or Tyndall.org: You'll receive an email confirming your document has been completed
• If you submitted a claim by phone: A representative will give you a claim number and send a DocuSign form to sign electronically. Once it's completed, you'll receive an email confirmation that the document has been completed.
• If you submitted a claim in a Tyndall branch: A representative can provide your claim number and, if requested, a paper copy of your claim document.

• Debit Card Claims:
  The investigation typically takes up to 10 business days. If the investigation takes more than 10 days, you will receive provisional credit for the disputed amount. The claim will be resolved no later than 90 days after filing.
• Credit Card Claims:
  The initial review can take up to 30 days. If additional time is required, Tyndall may take up to two billing cycles to finish, but member is not required to pay the disputed amount during the investigation.

Sometimes, claims take longer to resolve. This often happens when the merchant needs to provide more information.

Extended Investigation Period
Tyndall may take up to: 45 calendar days for most transactions and 90 calendar days for:

• Point-of-sale debit card transactions
• Transactions initiated outside the U.S.
• New accounts (opened within the last 30 days)
• Merchant Response:
  Merchants will have an opportunity to respond to the claim. If the merchant provides documentation, Tyndall will mail you a copy for your review

• Your Response:
  If you receive documentation by mail, you'll be asked to review and respond by the date listed in the letter so that Tyndall can reply to the merchant

Once the investigation is complete, you'll be notified of the result by mail.

Tip: Keep an eye on your mail for updates. Respond promptly to any request for information to help resolve your claim as quickly as possible.

Set up Direct Deposit, automatic bill payments, account alerts, and Online and Mobile Banking.

Automatic payments help prevent missed payments while your schedule or connectivity may be limited.

Yes. Providing your travel dates and duty location helps prevent card declines and fraud alerts. It also ensures we have the right contact information while you're away.

It's strongly recommended. A POA allows someone you trust to manage financial matters on your behalf if needed.

A POA allows legal authority, but debit cards or account access may require additional steps or joint account arrangements for someone to have access to your account.

In most cases, yes. Visa^® is widely accepted internationally. However, some restricted or sanctioned countries may block transactions. It is a good idea to have local currency in addition to your card.

You may see:

• A foreign transaction fee (0–3%, depending on your card)
• ATM operator fees for cash withdrawals

Check your card's fee schedule before traveling.

Your purchase is made in local currency. Visa^® converts it to U.S. dollars using the exchange rate at the time the transaction is processed.

Members benefit from competitive rates, fewer fees, and personalized financial services.

Tyndall has been proudly serving its members since 1956. We stand as one of the strongest financial institutions in the nation, with approximately $1.9 billion in assets and over 100,000 members worldwide.

Yes. Members can access and manage their accounts from anywhere through Online or Mobile Banking, and we proudly serve members in all 50 states.

We offer a range of products, including Auto Loans, Mortgages, and Credit Cards with competitive rates.

It depends on the complexity of the estate and the documentation provided. The process may take a few days to several weeks.

Yes.

You can access Online Banking from any web browser by visiting Tyndall.org and clicking the Log In button in the top right-hand corner. Or you can download the Mobile Banking app called "Tyndall Mobile" from the Apple App Store or Google Play.

Bill Pay is a free service that Tyndall offers that allows you to make payments online, directly from your Tyndall Checking Account. Whether you need to pay your utility company, your mortgage company, or your dry cleaner, you can use Bill Pay to make your life easier!

1. Select Transfers > Transfer Between Banks

2. Under Create Transfer, select Add a New Account. Enter your external account information by following the instructions, then click Next.

3. You can choose Verify Instantly or Verify Manually. Follow the instructions on the screen.

4. If choosing Verify Instantly, this process applies to many accounts and uses the highest encryption standards. Your information will never be read or saved. This will prompt you to enter your login credentials for the External Account that you want to link.

5. If choosing Verify Manually, this process takes 1-2 business days, and you will need to come back to this page to finish the verification once those micro deposits/debits are completed.

6. Once your account is verified, your external account will be available in the To and From drop-down of Transfer Between Banks.

To qualify for Next Day, you must meet all of these criteria:

• Have transferred $100 in standard/3-Day transfers (must be one transfer of $100 or more; cannot be multiple smaller transfers)

• Cannot have any returned/NSF External Transfers in the last 3 months

• Must have $25 left in their account after transfer amount and fee

There are no requirements for standard/3-day INBOUND transfers. However, there are requirements for standard/3-day OUTBOUND transfers; you must have $25 left in your account after the transfer amount.

"Verify instantly" – Provide credentials for your external financial institutions' Online Banking. This makes it available to you the same day. This may not be available for all financial institutions.

"Verify Manually" – Enter your external financial institutions' account information and within 1-2 days you will receive 2 small trial deposits in your account. You will then log in to verify the amounts.

1. Select Transfers > Link a Tyndall Account > Add Account

2. Fill in the fields and click Add Account.

3. You will now see the account in the list.

4. Now, when you want to make a transfer, choose Transfers > Make a Transfer.

Choose the account to transfer from in the From drop-down. Then choose the account you just created from the To drop-down.

• Select Transfers > Make a Transfer

• Choose an account in the From drop-down.

• Choose an account in the To drop-down.

• Next, choose your scheduling option. Your options are Immediate (One Time), Future (One Time), or Recurring.

If you choose Recurring, choose the Frequency, Start Date, and Duration. You can enter a description and also check the box to send an email when the transfer is completed. Click Continue, review the details, and click Transfer.

1. Select Accounts > Downloads

2. Choose the account you want to download history from in the Account drop-down.

3. Choose your date range and choose your Download Format.

4. Click Download, then Ok.

5. Name your file, then click Save. Leave the format as a QFX file.

1. Go to My Profile > Security Questions

2. If Security Questions have been previously answered, you will not see the questions and answers here. You can provide new answers to questions for use going forward.

3. After answering, click Continue, and you should see a review screen of your answers. Click Submit.

4. You will be prompted to enter your password to verify your identity. Click Submit.

5. You will be taken back to My Profile, and you will see a message indicating that the security questions have been set up.

To enroll:

1. Go to Menu > Tools and Settings > Authorized Device Enrollment

2. Enter your Device Name, as well as your User ID and Password.

3. Go to your phone’s Face ID/Touch ID settings and ensure "Tyndall" is turned on.

To reset:

1. Go to Menu > Tools and Settings > Manage Face and Touch ID Devices

2. Delete the existing device.

3. Now, see the steps above to enroll.

1. Click Forgot Password? from the login screen.

2. Fill in the fields that have an asterisk (*). Then click Submit.

3. Select the receive a verification code option.

4. The verification code will be texted to you.

5. Return to the screen to enter the code on the Identity Verification page that comes up and click Submit.

6. Now, enter your new password, confirm password, and click Set Password.

Password requirements:

• Minimum of 12 characters

• Must include a combination of uppercase and lowercase letters, numbers, and symbols

• Cannot contain spaces

• Cannot be any of your previous passwords

• Must not match the username

• Passwords do not expire

• Passphrases are recommended over passwords. A passphrase is a sentence or series of words that is easy for you to remember but hard for others to guess.
  Example: Ocean$Breeze_42Lemo
  Example: Sun@Set$93_Rainbow

1. Click Forgot User ID from the login screen.

2. Enter your information as requested. Enter the date in MM/DD/YYYY format. Then select Submit.

3. A message will appear informing you that the User ID has been emailed.

4. Check your email for your User ID. It could take a few minutes for the email to arrive.

If you get locked out of your account for typing in your password wrong too many times, click Forgot Password? and go through the few steps to change your password. Passwords must be a minimum of 12 characters in length, must include a combination of upper- and lowercase letters, numbers, and symbols. Passwords cannot be reused. Now you can use your new password to log in.

You might need to make an update. View update instructions.

Make sure your app is up to date. Here are a few simple steps to update your app:

If you have an Apple phone:

1. Open the App Store on your phone.

2. Search for "Tyndall Mobile" in the search bar.

3. Click on "Tyndall Mobile" and tap "UPDATE."

If you have an Android phone:

1. Open the Google Play App on your phone.

2. In the upper left-hand corner, tap the menu bar (three horizontal lines).

3. Select "My apps and games."

4. Select "UPDATES" at the top of the screen.

5. Find the "Tyndall Mobile" app, and tap "UPDATE."
   
   

Updated your app and still can’t get in? Try clearing your cache and cookies. View instructions on clearing cache and cookies.

With Chat, you can securely talk with a Tyndall representative immediately, during business hours. From the menu, click Chat and begin a conversation with a Tyndall representative.

1. Log in to Online or Mobile Banking and click on your Checking account. Click Order Checks (in the top right corner on desktop).

2. The information populated on the screen should be reflective of your previous check order. If you want to order a different style, start by clicking Personal Products and make your choices. Otherwise, you should verify the information you want imprinted on your check and make sure to update the check number to start with.

3. If you would like to order deposit tickets, you can select Personal Products, then choose Deposit Tickets. You can also order extra check registers under Accessories.

• Be sure that you have turned off any pop-up blockers in your web browser.
• Be sure that you are not using an old web browser.

• If you are still not able to log in, please give us a call at 850-769-9999.

1. Download the Tyndall Mobile app from the Apple App Store or Google Play. Or, if you prefer to use a web browser, you can enroll in Online Banking.

2. Click Register.

3. You’ll be asked to agree to the Online & Mobile Banking terms and conditions.

4. Next, you’ll fill out your information. The boxes with the asterisk (*) are required.

5. Click Submit.

6. Create a User ID and Password. Confirm Password and click Register.
   User IDs must be 8 to 26 characters long. To protect your account, User IDs should not include any personal information such as your email, name, birth date, member number, or any other easily identifiable details.
   
   Passwords must be a minimum of 12 characters long. Passwords must include a combination of uppercase and lowercase letters, numbers, and symbols. Passwords do not expire and cannot be reused.

7. You'll receive a text or call with a verification code; enter it on the screen to proceed.

Go to the menu and choose Bill Pay. From there, you can sign up for Bill Pay and get started!

Transfer Between Banks is a feature that allows you to transfer funds from your Tyndall accounts to an outside financial institution or from another financial institution into your Tyndall account quickly and easily.

For all standard transfers, there is no fee. For next day transfers, there will be a $10.00 fee.

According to Regulation D, you may not make more than six "convenient" transfers or withdrawals from one of these accounts to your Checking account or to a third party in a calendar month. "Convenient" transfers/withdrawals are those that are pre-authorized, automated, or telephone transfers/withdrawals. These include transactions completed through Online or Mobile Banking, Overdraft Protection, ACH/EFT, and Bill Pay.

Transactions completed via the Member Care Center (or Tyndall representative) are also restricted, whether the request is by phone, fax, or email, unless the funds are withdrawn in the form of a check mailed to the member.

If you have already reached your Regulation D limit for the month, any other withdrawals or transfers that would be considered Regulation D transactions would be declined, including automatic overdraft transfers. You would have to complete further Regulation D transactions for that month in person, at an ATM, or by mail.

No, not if you have already reached your Regulation D limit for the month. If you have another overdraft source set up in addition to your Savings, we will try to pay the overdraft through that source instead. However, if you do not have any other account or loan set up as an Overdraft Protection source, the transaction will be declined, and applicable merchant fees may also apply.

Regulation D (Reg D) is a federal law that limits the number of certain types of withdrawals and transfers that you can make from particular deposit accounts.

All financial institutions are subject to this regulation; it is not unique to Tyndall.

Tyndall's Savings accounts that are affected by this regulation are Regular Share, Money Market, and Club Accounts. These are considered 'non-transaction' accounts, which means they are primarily used for "saving" and, therefore, should not have regular, frequent withdrawals. The initial intention of the regulation is to discourage people from using a basic savings account as a source for their everyday banking needs.

Tyndall Checking accounts are not limited by this regulation, as they are considered 'transaction' accounts and are expected to have heavy usage.

Transactions that are not limited by Regulation D are those that are not considered "convenient," including withdrawals or transfers made in person at a branch, at an ATM, or by mail (with an original signature).

In addition, transfers that are made from the Savings account to a Tyndall loan are not restricted.

Yes. The main point to remember is that you should use your Checking account, rather than your Savings account, for your Direct Deposit, scheduled/automated transfers, ACH transactions, etc., as the Regulation D restrictions do not apply to Checking accounts.

Finally, we recommend you set up other Overdraft Protection sources, such as your Tyndall Credit Card or Line of Credit, in addition to using your Savings account, so you have an alternative source in place in the event you have reached your Regulation D limit on your Savings.

To find out how many transactions you have had this month, speak with a Tyndall representative at a branch or call our Member Care Center at 850-769-9999 (888-896-3255, toll-free). You may also log in to Online or Mobile Banking, review your Savings account history, and count the number of withdrawals and transfers made during the month. At this time, there is no Regulation D "counter" tool.

The only time that a "convenient" transfer will not count as a Regulation D transaction is if you are transferring funds to pay a Tyndall loan.