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Frequently Asked Questions

Your Questions Answered

We’ve collected some of the most frequently asked questions about our membership and products, and grouped them by topic to make it easier for you to access the information you need.

Membership Frequently Asked Questions

Why Join Tyndall?

Is my money federally insured if it is in a credit union?

Yes. Your deposits are insured to at least $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency.

What is a credit union?

A credit union is a not-for-profit financial institution formed by a group of people who have a common bond. You must qualify for membership in a credit union by showing that you share that common bond with the other members of the credit union. Members pool their money together to provide loans, deposit products, and services to each other. Any profit earned by the credit union is put directly back into the "pool" of funds so that the credit union can keep fees and loan rates low, while paying the best possible rates on deposits.

Why should I choose Tyndall over the other credit unions in the area?

Tyndall has a long record of trust and has been proudly serving its members since 1956. We stand as one of the strongest financial institutions in the nation, with over $1.9 billion in assets and over 115,000 members worldwide. Our commitment is a focus on integrity, service, and excellence. This occurs in many forms, from offering better rates on loans and savings to low or no fees on services, conveniences that make banking simple, and guidance that helps members better manage their daily finances.

Why should I join a credit union instead of a bank?

For more than 8 decades, credit unions have been the original consumer financial protectors. We are not-for-profit, member-owned financial cooperative that provide the same financial services that traditional banks do, but that’s where the similarities end. Every credit union member is a shareholder because they’re all individual owners.

Membership in a credit union means fewer fees, better rates, and higher savings return, easier access to credit, and better, more personalized service. Today, 120 million American consumers (10.3 million in Alabama, Florida, and Georgia) continue to choose credit unions as their financial services partner. Credit unions continue to advance our not-for-profit, collaborative mission pre, during, and post-pandemic. We invest in the financial health and security of every community. Tyndall remains committed to ensuring that our members have access to safe, affordable services that work for their individual needs and help them achieve their financial goals.

Who Can Join?

If I leave my employer or move away, do I have to close my account at Tyndall?

Absolutely not. Once you are a member of Tyndall, you're always a valuable part of our credit union family. Even if you move out of the area or leave your current employer, you remain a member until your account is closed. We offer free, convenient services such as Online BankingMobile appsGENIE24 (our telephone access system), Mobile BankingMobile Deposit, and the Contact Center to allow you to do your banking from anywhere in the world.

Can my family members join, too?

Immediate family members of anyone in the Tyndall Federal Credit Union Field of Membership are eligible to join us, regardless of where they live. Immediate family members include your spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, step sibling, and adoptive relations. For example, if your sister lives in Wyoming and is looking for a new car at a great rate, recommend that she apply for her loan at Tyndall; she qualifies for membership because of her relationship to YOU.

In addition to your family members, members of your household are eligible for membership, whether or not they are related to you. A household member includes any permanent household member living in the same residence and maintaining a single economic unit. Sorry, but this does not include people who live temporarily in a residence (visitors), fraternities, sororities, apartment/condo complexes, or boarding houses.

What does it mean to be a "member" of Tyndall?

At Tyndall Federal Credit Union, we are dedicated to your home. In fact, we have member-owners. When you open your initial share account, you become an owner of Tyndall, which allows you access to the many convenient products and services that we offer. We strive to regularly give back to our members in the form of low to no fees, lower loan rates, and higher deposit rates.

What is a Field of Membership? Why can’t just anybody join the credit union?

Credit unions are not-for-profit financial institutions that are made up of one or more groups of people who have a common bond. The Field of Membership is simply a description of the various common bonds that may be used to establish membership eligibility. For example, you may have a common bond with others in the credit union based on your employer, the community in which you live, or the school you attend. Membership is restricted to specific groups because a credit union is a financial cooperative; members pool their funds to provide financial products and services to each other, with all profits going back into the cooperative.

Can I join Tyndall Federal Credit Union?

Membership is open to you if you work for or belong to any of the groups shown in our Field of Membership. The Field of Membership includes our core military and government (local, city & state) groups, as well as many companies in the Panhandle area of Florida and in Alabama.

In addition, you may be eligible for membership if you live, work, worship, or go to school in Bay, Gulf, Walton, Jackson, Leon, Okaloosa, Franklin, Calhoun, Holmes, or Washington Counties in Florida, or in Houston, Baldwin, or Mobile Counties in Alabama.

Find out if you're eligible by reviewing our Field of Membership.

How Do I Join?

What documents are needed for identification?

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

Is there a minimum deposit required to become a member?

Yes. To open your Regular Share (Savings) account and establish your membership with Tyndall, we require an initial minimum deposit of $5 (which is your required share in the credit union). You must provide us with your Social Security Number and a photocopy of two forms of identification, one of which must be a primary ID with your photo and signature. That may be your U.S. driver's license; U.S. military or dependent ID; passport; or ID card issued by federal, state, or local government.

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.

Once I join the credit union, how long do I have to wait to apply for a loan or open a checking account?

There is no waiting period. Once your account is opened, you can open a checking account or apply for a loan right away. In fact, most people do them at the same time.

How do I join Tyndall Federal Credit Union?

Tyndall First Frequently Asked Questions

How do I set up a Tyndall First Account?

You can set up your Tyndall First account Online,, or through the Contact Center.

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, Log into Online Banking, Click Tools > Forms > under Account Maintenance select Upgrade to Tyndall First Account and complete the form to convert your account.

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. 

Why can’t I visit a branch with a Tyndall First Spend account for everyday banking transactions?

To deliver this valuable and free account, we are only able to offer it as an online-only spending account as this account is designed for members that prefer to do their banking online and do not prefer to do teller transactions at a branch.

Can you define what an Online Only account is?

This means you can bank Online, Anytime, Anywhere! We can help you Online or through our Contact Center. This account is not a good fit if your primary banking preference is doing everyday teller transactions in person rather through Online Banking.

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, or through our lending center at 850-747-4321.

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?


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. 

If you need the card quicker, you can order through Online Banking > Tools > Forms > Debit/Credit Card Request. Complete the form and under the “Delivery Type” select Card Fulfillment Center. You can then pick up your debit card the same day you’re notified in Online Banking that your request is completed from the Lynn Haven Card fulfillment center. 

*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 on the last day of the month for that month’s activity.

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 in debit card purchases 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. 

ATM Frequently Asked Questions

How do I deposit cash in the ATM?

It's easy. Select the 'Deposit' option; select 'Cash' as the 'Type of Deposit'; and then select the account to which you wish to make the deposit.

The slot for the Currency Acceptor will open and a green light will begin blinking above the slot. Simply 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, simply press 'Process Deposit'.

How many bills can I deposit at one time?

You may deposit a maximum of 30 bills at once.

Do I have to insert the bills in a particular way? Do they have to be face-up?

It doesn't matter. The ATM is advanced enough to read the bills no matter which way they are inserted. They just have to be unfolded.

Can I verify the cash deposit before actually depositing it to my account?

Absolutely. 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.

How do I deposit checks in the ATM?

Select the 'Deposit' option; select 'Checks' as the 'Type of Deposit'; and then select the account to which you wish to make the deposit.

The slot for the Check Acceptor will open and a green light will begin blinking above the slot. Simply 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 the 'Accept Checks' option.

How many checks can I deposit at one time?

You may deposit a maximum of 30 checks at once.

Why won’t the ATM accept my check?

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 is not endorsed (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 so it is unreadable,
  • The background design of the check may be too "busy" for the machine to be able 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.

Can I verify the check deposit before actually depositing it to my account?

Certainly. If you deposit checks, you will see an image of the check or checks onscreen. You will have the opportunity to review each check and verify the amount of each. If the ATM misread a check amount, simply edit the amount and make your deposit. You have the option of having the individual check images appearing on your receipt as well. If you feel the deposit is incorrect, you have the opportunity to cancel the transaction and have the checks returned to you.

If I deposit checks into the ATM, when are the funds available in my account?

Since the checks are now immediately imaged in the ATM and are sent through to the Federal Reserve, the process is quicker with the new Envelope-Free ATMs. However, our standard check hold policy will apply.

Can I cancel a transaction if I have already inserted my checks?

You sure can. At any point prior to accepting the deposit, you can cancel the transaction by pressing the 'Cancel' button on the keypad.

Can I use a deposit slip?

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

Can I deposit cash and checks together in the same transaction?

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

How can I tell how much of my deposit is available?

Your receipt will show the balance of your account, as well as the available balance of your account. You may also obtain this information through Online Banking, Mobile Banking, and GENIE24 any time of the day or night.

Can I deposit into more than one Tyndall member number at the same time through the ATM?

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, Mobile Banking, or GENIE24. Please note, though, that if you deposit checks, the funds may not be immediately available for transfer.

Can I split the deposit between my savings and checking if they are both under the same member number?

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.

Can I make my Tyndall loan payments through the ATM?

No. You cannot make any loan payments through the ATM. Please use one of our other services, such as Online Banking, Mobile Banking, or GENIE24 to make your loan payment. Of course, you may also visit a branch or contact our Call Center at 850-769-9999 (888-896-3255, toll-free) to make a payment.

Is there any difference in the hold policy if I deposit my check at the ATM rather than depositing it at the teller line?

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. At the teller line, 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 teller.

Can I deposit coins?

No. The machines cannot accept coins.

What do I do if I do not agree with the amount of the deposit that appears on the ATM screen?

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 cash, simply cancel the transaction and your bills will be returned to you. You can then verify the amount yourself.

What do I do if the deposit into my account does not match my ATM receipt?

Please contact us immediately if there is a problem with your deposit. You may:
  • Contact our Call Center at 850-769-9999 (888-896-3255, toll-free),
  • Chat with us or send us a secure message through Online Banking, or
  • Speak with a Financial Sales Representative at any of our branches.

Are your ATMs accessible to hearing- or visually-impaired people?

Yes, the new ATMs are ADA compliant. If you need to use the voice instructions, however, you must provide your own headphones.

How much money can I withdraw from an ATM?

Assuming you have the funds available in your account, the maximum you can withdraw from an ATM is $500 in a 24-hour period. This limit includes any 'Cash back' amount you may have received at a point-of-sale terminal during that time period.

Skip-a-payment Frequently Asked Questions

How do I skip a payment?

You can submit a Skip-a-Payment through Online Banking. Follow this tutorial video or view a PDF with step-by-step instructions.

How many times per year can I skip a payment?


Can my Skip-a-Payment be processed by the Call Center?

No, all Skip-a-Payments must be processed through Online Banking. For more information, watch our instructional skip-a-pay video.

Are there any restrictions for a Skip-a-Payment?

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.

If you have applied and were approved for a loan deferment, please note, 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.

Is there a fee to skip a payment?

No. There is NO FEE to use Skip-a-Payment at Tyndall!

Which loan payments can I skip?

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.

Why don't I see my loan that I want to skip?

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

  • Loans are ineligible to skip if your due date is in 10 days or less.
  • 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.
  • 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.
  • Please make your payment and you can skip the next month.
  • 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.

Some loan types are ineligible to be skipped. Those loans are as follows:

  • Real Estate Loans
  • Home Equity and HELOC Loans
  • Mobile Home Loans
  • Workout Loans
  • Courtesy Pay Loans
  • Credit Builder Loans
  • If your loan payment is paid too far ahead, the loan is ineligible to be skipped due to regulatory limitations.
  • 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.

Come back tomorrow and try again.

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

If you have a bankruptcy on record, the loan is ineligible to be skipped. Your accounts and loans must be in good standing.

How do I know if my Skip-a-Payment has been approved?

To confirm your Skip-a-Payment request has been approved and processed, log in to Online 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 request, we will reach out to you via email.

What do I need to do about automatic payments if I skipped my loan payment?

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.

What if I do not want to use Online Banking to submit my Skip-a-Payment?

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

Speed Pay Frequently Asked Questions

How do I use the Web Portal?

Pay online through the Web Payments Center. If you have not used the service before, you will have to Register to set up your account on the Web Pay system. If you have already registered, just log in.

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

SWBC administers the web portal and cannot reset passwords.

What information do I need to make my payment through the Web Payments Center or the Phone Pay service?

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.

Where can I find my loan suffix?

Your loan suffix is a 2-digit number that appears on 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 above the loan information in Online Banking, under the "Accounts" tab (01, 43, 64, etc).

I want to use an account (or debit or credit card) that I have at another financial institution to make my Tyndall loan payment. What information do I need from that account/card?

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.

When will the payment post?

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 one of our Member Service Representatives at 850-769-9999 (888-896-3255, toll-free).

When will the money be deducted from my account/card?

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

What payment methods can I use to make my payment?

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).

Can I pay off my loan through the Web Payment Center or through Phone Pay?

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 Member Service Representative at our Call Center. Call 850-769-9999 (888-896-3255, toll-free). You may also pay off your loan in person at any Tyndall branch. Fees may apply.

Why can't I see my loan on the web portal?

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 in the Web Portal, your new loan will not appear. You must re-register in the Web Payments Center to have access to the new loan. Your old Web Portal account will be deactivated.
  • A loan must be in good standing to be accessed via the Web Portal.
  • We must have a valid mailing address on your account. Please log into to Online Banking and verify/update the address on record.

Can I pay an amount other than the minimum payment due?

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 contact the Call Center at 850-769-9999 (888-896-3255, toll-free) or visit your local branch to bring your loan back into good standing.

How will I know my payment transaction was successful?

For Web Pay, 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 with the service. For Phone Pay payments, you will receive a confirmation number at the time of the transaction.

How do I dispute a payment?

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.

Am I able to make a payment through the Web Payments Center with a mobile device?

Yes. You can make payments from a mobile device, but you will need to use the web browser on your mobile device to access Tyndall’s full website at

Can I schedule a payment?

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

Why is there a convenience charge?

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 Banking. You can transfer your payment yourself or set up scheduled, recurring payments – for FREE.

What is the fee?

The convenience fee for using the self-service Web Portal or the Phone Pay service is $5.00 per loan payment.

How can I avoid paying the convenience fee?

We cannot waive the fee if you are paying from an external account. Remember, though, that payments made from a Tyndall savings or checking account are free…just one of many reasons to make Tyndall your primary financial institution.

Tyndall Rewards Frequently Asked Questions

How do I enroll in Tyndall Rewards?

If you have a Tyndall card that earns rewards, you are already enrolled! Simply log in to your Online Banking profile, select Account's and then select "Tyndall Card Rewards" to see your earnings.

What is a qualifying purchase?

Qualifying purchases are purchases made through the “credit” option, or Visa® network, and EXCLUDE cash advances, balance transfers and "debit" or PIN-network purchases. Merchandise returns or refunds will also adjust the points earned for a purchase.

How do I access my Tyndall Rewards?

Simply log in to your Online Banking profile, select Accounts and then select "Tyndall Card Rewards". From there, you can see how many points you have earned and all of your redemption options!

How do I redeem my points?

There are three ways you can redeem your points:
  1. Online – Log in to your Online Banking profile, select Accounts and then select "Tyndall Card Rewards" to redeem your points.
  2. Mail – Complete a Rewards Request and mail it to Reward Headquarters, 1620 Bond Street, Naperville, IL 60563.
  3. Phone – To place an order by phone, please contact the Rewards Service Center at 888-811-0832.

Will my points show up immediately on my Tyndall Rewards account after I make a transaction?

Your Rewards points total will be updated on your account weekly. Check it out every week, and watch how your points add up! Please note that the points shown on your Tyndall Rewards account are listed by day, not by transaction.

Can I "household" my points?

Your points are automatically "householded". That means that all of your accounts that have the same primary member number are linked together under a master rewards account in order for you to see your entire points balance. If you would like to see your earnings on each individual card, you can do so by visiting your Tyndall Rewards profile through Online Banking.

Whom do I contact if I have a question about my Tyndall Rewards account?

You can contact the 24-hour rewards support line at 888-811-0832.

How do I reset my password?

How do I reset my password?

  1. Enter your username in the username field. 
  2. Click the “forgot” link next to the password field.
  3. You will receive a message stating that you will receive instructions emailed to your primary email address.
    Click continue.
  4. The next screen presented is asking you to enter a code.  The code will be found in the email that was sent.
    Click continue.
  5. Enter your new password then click “reset password”.

    Password requirements: 

    • Minimum of 8 characters, maximum of 32
    • Must include at least one upper case and one lower case character
    • Must include at least one number
    • May contain these special characters:  ~ ! @ # $ % + = / ? * _ ^ ( ) [ ] & ‘ , - . : ` { | } “
    • Must not contain the same character or number more than two times in a row.
    • Cannot contain spaces
    • Cannot be any of your previous passwords
    • Must not match the username
    • Must not contain three sequential numbers/letters

    Example:  Enroll222 would not be allowed because “2” repeats 3 times.
    Example:  EnrollABC or Enroll123 would not be allowed.

  6. You will then be returned to the login screen, where you will enter your username and your updated password.

Online Banking Frequently Asked Questions

I'm locked out of my account. What do I do?

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. Now you can use your new password to log in.

I cannot log in on my Android. What should I do?

It sounds like you just need to make a simple update! View a PDF with update instructions.

I am experiencing issues with my app. What do I do?

You should 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".

App is updated and still can’t get in? Try clearing your cache and cookies. View a PDF with instructions on clearing cache and cookies.

Is the Tyndall Mobile App compatible with iPad devices?

No, you can download the app to an Apple iPad, but it is not compatible. However, you can use a web browser to access your Online Banking from your iPad. We recommend using a Google Chrome browser for the best user experience.

To navigate Bill Pay on your iPad’s browser, there are additional settings that are necessary to check on your device.  

  • Open the settings app Scroll down and find “Safari” and click on it.  Once in your settings, check or change the following:
  • Under general: Block Pop-Ups needs to be OFF
  • Under Privacy and Security: Prevent Cross-Site tracking need to be OFF
  • Block All Cookies needs to be OFF
  • Under Settings for Websites:  Click “request desktop website” 
  • All Websites needs to be ON. 
  • Click “advanced” at the very bottom- Javascript needs to be ON

What is Live Chat, and how do I use it?

With LiveChat, you can securely talk with a Tyndall representative immediately, during business hours. Simply select the icon that looks like comment bubbles at the top of your Online Banking screen and begin a conversation with a Tyndall representative.

How do I order checks in Online Banking?


  1. Log into Online Banking and click on your Checking account. Then on the left side of your screen you will see Account Details. Click "Order Checks".
  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 "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. 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.

Mobile App:

  1. Log into Online Banking and tap the hamburger menu in the top right corner.
  2. Select "Accounts", "Account Activity" and scroll past the Account History down to Account Details. Choose your Checking Account from the drop-down. Then tap "Order Checks".
  3. Verify the information you want imprinted on your check and make sure to update the check number to start with. 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.

View a PDF of check ordering instructions.

I am not able to log in; what should I do?

  • If you were already enrolled in the old Online Banking, please be sure you are not choosing "Register", since the system already recognizes your User ID. All you need to do is type your old User ID and Password into the login box, and then you will be taken through the enrollment process.
  • 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.

How do I get to Online Banking?

The easiest way to access Online Banking is to download the app called "Tyndall Mobile" from the Apple App Store or Google Play.


You can also access Online Banking from any web browser by visiting and clicking the orange button in the top right hand corner.

How do I enroll in Online Banking?

Please follow these simple steps to enroll in Online Banking.

  1. Log into Online Banking by downloading the app called "Tyndall Mobile" from the Apple App Store or Google Play.


  2. Or, visit; the log-in box can be found in the top right-hand corner of the screen. Choose "Register".
  3. Next, you'll be taken to a screen where you'll enter information about yourself.
  4. Only fill in the boxes with the asterisk (*) symbol.
  5. You'll then be asked to choose a password.
  6. We may send you a text or call you with a verification code to make sure no one is trying to impersonate you. Simply enter the code on the screen to proceed.
  7. If you are enrolling from a web browser rather than the mobile app, we may ask you a few short security questions. We will use these occasionally when you're making transactions in Online Banking to ensure that no one is trying to use your account.
  8. Finally, you’ll be asked to agree to the Online Banking terms and conditions.

What is Bill Pay?

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!

Where do I find Bill Pay?

In Online Banking, select "Payments" and then choose "Pay a Bill". From here, you can sign up for Bill Pay and get started!

What is an External Transfer?

An External Transfer is a Tyndall online and mobile banking 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.

How do you set up External Transfers?

  1. Log into Online Banking by mobile app or desktop.
  2. Once logged in, choose "Manage External Transfer" located in the drop-down menu under "Transfers."
  3. Under "Create Transfer," select "Add a New Account." Enter your external account information by following the instructions, then click "Next."
  4. You can choose to "Verify Instantly" or choose to "Verify with Bank Deposits." Follow the instructions on the screen.
  5. If choosing "Verify Instantly," this process applies to many accounts and uses the highest encryption standards. Your information will never be read or saved
  6. If choosing "Verify with Bank Deposits," this process takes 1-2 business days, and you will have to finish the verification instructions in your email.
  7. Once your account is verified, your external account will be available in the "To" and "From" drop down of "Manage External Transfers."

Can I set up and use External Transfers from the Tyndall Mobile App?

Yes! The steps are relatively the same when using either option.

Is there a fee for using External Transfers?

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

What is the criteria to be able to use next day transfer?

In order to qualify for Next Day, member 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

Are there any specific requirements for standard/3-day transfers?

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

Do I have to reestablish all of my prior external transfer accounts?

Yes. Please view the FAQ "How do you set up External Transfers?"

Will I need to verify my external accounts? How do I do that?

"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 with Bank Deposits" – 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.

How do I make a transfer to an un-linked account?

  1. Select "Transfers", "Pay a Person" and "Pay a Tyndall Member".
  2. Fill in the fields. Then, click "Continue".
  3. You will now see the account in your Unlinked Account List.
  4. Now when you want to make a transfer, choose "Transfers" and "Create/Edit a Transfer".

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

How do I schedule an internal transfer?

  • Select "Transfers", then "Create/Edit a Transfer."
  • Click on the drop-down arrow next to "Select a Source" to choose the "From Account."
  • Click on the drop-down arrow next to "Select a Source" to choose the "To Account."
  • You can choose to transfer the Payment Due or you can choose "Other Amount."
  • Next, choose your scheduling option. You have the option to make this transfer one time by choosing Immediate or Future or you can schedule it as a Recurring payment.
  • If you choose Recurring, choose the Transfer Date, Frequency and End Date or leave it with No End Date. You can enter a transaction description and also set up an alert when the transfer is executed. Click Submit and you’re all set!

How do I upload my account history to Quicken or QuickBooks?

  1. Log into Online Banking.
  2. Choose "Accounts", then "Account Activity" and choose the account you want to download history from in the "Account Details" section from the drop down menu.
  3. Click "Download", then "Download Quicken".
  4. Select an account from the drop down menu, choose your date range and choose your download format. Click "Download", then "Ok".
  5. Name your file, then click "Save". Leave the format as a QFX file.
  6. When you are in Quicken, choose the File menu, then "File Import" and choose the Quicken Transfer Format (.QXF) file. Next, type the name of the QXF file you want to import, or click the “Browse” button to select it. Finally, click “Continue” to begin importing the file.

How do I set up Security Questions?

  1. Go to “My Profile”, then “Security Questions”. 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. If the answer is too short, you will be prompted.
  2. What happens when I update my Security Questions? After answering, you should see a review screen of your answers.
  3. After you click “Submit”, you will be prompted to enter your password to verify identity.
  4. You will be taken back to "My Profile" and you will see a message to indicate that the security questions have been set up.

How do I enroll in Face or Touch ID?

  1. Go to “My Profile” at the bottom of your screen, then choose “Biometric Enrollment”.
  2. Enter your Device Name as well as your Online Banking User ID and Password.
  3. Go to your phone’s settings and choose “Tyndall” to ensure that you have your biometric options turned on.

How do I reset my password?

  1. Click "Forgot Password?" from the log-in 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. You do not need to refill the info again. Just scroll down to the Confirmation Code box and enter the code. Click "Submit".
  6. Now, enter your new password and click "Set Password".

I forgot my User ID. What do I do?

  1. Click "Forgot User ID?" from the log-in 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 UserID has been emailed.
  4. Check your email for your UserID. It could take a few minutes for the email to arrive.

Zelle Frequently Asked Questions

What is Zelle?

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.

Who can I send money to with Zelle?

You can send money to friends, family and others you trust2.

Since money is sent directly from your bank account to another person's bank account within minutes1, it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number.

How do I use Zelle?

You can send, request, or receive money with Zelle.
  1. To get started, log into your online banking or mobile app and select "Pay a Person". Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you're ready to start sending and receiving with Zelle.
  2. To send money using Zelle, simply select someone from your mobile device's contacts (or add a trusted recipient's email address or U.S. mobile phone number), add 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 minutes1.
  3. To request money using Zelle, choose "Request," select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request"3.
  4. To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.

Does it cost anything to use Zelle?

Sending and receiving money from Zelle is free for all Tyndall members. Mobile carrier and other applicable fees apply.

Someone sent me money with Zelle. How do I receive it?

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes1. 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 your financial institution.
  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 to ensure you receive your money.

What types of payments can I make with Zelle?

Zelle is a great way to send money to family, friends, and people you are familiar with, such as your personal trainer, babysitter or neighbor2.

Since money is sent directly from your bank account to another person’s bank account within minutes1, Zelle should only be used to send money to friends, family, and others you trust.

Neither Tyndall nor Zelle offers a protection program for any authorized 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.

How do I get Started?

It's easy – Zelle is already available within your mobile banking app and Online Banking! Check Tyndall’s app or sign in online and follow a few simple steps to enroll with Zelle today.

What if I want to send money to someone whose bank doesn't offer Zelle?

View this full list of participating banks and credit unions “live” with Zelle.

If your recipient’s financial institution isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.

To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S.-based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.

How does Zelle work?

When you enroll with Zelle through your Online Banking account or mobile banking app, your name, the name of your financial institution, and the email address or U.S. mobile number you enrolled with is shared with Zelle (no sensitive account details are shared). When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its "directory" and notifies Tyndall of the incoming payment. Tyndall then directs the payment into your account, all while keeping your sensitive account details private.

Can I use Zelle Internationally?

In order to use Zelle, the sender’s and recipient’s bank accounts must be based in the U.S.

Can I cancel a payment?

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 the person you sent money to has already enrolled with Zelle, 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 trust.

How long does it take to receive money with Zelle?

Money sent with Zelle is typically available to an enrolled recipient within minutes1.

If you send money to someone who isn't enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient's account, typically within minutes1.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with.

Will the person I send money to be notified?

Yes! They will receive a notification via email or text message.

Is my information secure?

Keeping your money and information safe is a top priority. When you use Zelle within Tyndall’s mobile banking app or Online Banking, your information is protected with the same technology we use to keep your bank account safe.

I'm unsure about using Zelle to pay someone I don't know. What should I do?

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 for these types of transactions.

These transactions are potentially high risk (just like sending case to a person you don’t know is high risk). Neither Tyndall nor Zelle offers a protection program for any authorized 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.

What if I get an error message when I try to enroll an email address or U.S. mobile number?

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile phone number to Tyndall Federal Credit Union so you can use it for Zelle.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your bank account so you can start sending and receiving money with Zelle through Tyndall’s mobile banking app.

Zelle Disclaimers

App store is a service mark of Apple Inc. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Data charges may apply. Check with your mobile phone carrier for details. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.

2 Must have a bank account in the U.S. to use Zelle.

3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled with Zelle.

Courtesy Pay Frequently Asked Questions

How much does Courtesy Pay cost?

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.

Which types of transactions may be covered by Courtesy Pay?

  • 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 Coverage)
  • ATM transactions, including point-of-sale transactions (only if you have Opted-In to Overdraft Coverage)
  • Tyndall Online Banking/Bill Pay transactions

Please note: GENIE24 transactions are not covered by Courtesy Pay.

How does it benefit Tyndall members?

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.

Since the item is paid, you are saved the embarrassment of being placed on a "Bad Check" list.

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.

Do I have to apply for Courtesy Pay?

No. You are eligible for Courtesy Pay after your checking or money market account has been opened 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.

How will I know if Courtesy Pay has been used on my account?

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

Does the Courtesy Pay overdraft limit show in my available balance at the ATM, through GENIE24, or through Online Banking?

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 day debit transactions.  Courtesy Pay is not accessible through GENIE24.

Is Courtesy Pay a loan?

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

I have more than one Checking Account with Tyndall. Can I have Courtesy Pay on all of them?

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

What happens if I exceed my Courtesy Pay limit?

If that should happen, 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 the Credit Union, based on how well you manage your account. This service can be removed from your account at any time at the sole discretion of the Credit Union.

What if I don't want Courtesy Pay on my account(s)?

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 Financial Service Representative at one of our branch locations, log into online banking to chat or send a secure message or contact our Call Center at 850-769-9999 (888-896-3255, toll-free).

Tyndall Cards Frequently Asked Questions

What is Tyndall Cards?

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
  • View your rewards points

Will the Tyndall Cards app work for all of my Tyndall Cards?

Yes! You can control your Tyndall credit, debit, and HELOC cards from within your Tyndall Cards app.

How do I enroll?

Simply download the Tyndall Cards app from the Apple App Store or Google Play Store. It’s free! All you have to do is have your cardholder information ready to enter! Here are the steps:

  1. Tap "Enroll Now"
  2. Enter your card details
  3. Create your sign-in information

Can I turn my card on and off in Tyndall Cards?

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.

How do I set instant alerts in Tyndall Cards?

By setting alerts in Tyndall Cards, you can get real-time updates on your card activity. You can choose to receive alerts for Transaction Amount, ATM Withdrawal and more. Here are the steps:

  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"

How do I set travel notifications in Tyndall Cards?

By setting travel notifications in Tyndall Cards, you can reduce unnecessary declines, so you can travel with peace-of-mind. Here are the steps:

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

Why did I get an alert that shows that I spent more at the gas pump than I actually spent?

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 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.

Will Tyndall Cards work on all mobile devices?

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.

Mortgage Servicing Frequently Asked Questions

How do I know if my Homeowner's insurance/or taxes are paid or not?

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

I have changes in escrow. Why?

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 due to the T&I portion of your payment changing. The statement is normally sent out in February and the payment change is effective with the April 1st due date. 

How to set up or update automatic payments?

See all the ways to pay and steps here

What steps to take if I am changing my hazard/wind/flood/home owner's insurance?

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

Paid off Mortgage: How will Tyndall send a copy of the deed or title?

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. 

What steps can I take with insurance and taxes since my loan was escrowed(Paid off Mortgage)?

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.

When can I expect to receive my mortgage satisfaction?

Mortgage Satisfaction can take up to 45 days. The recorded 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. 

What happens to our money in escrow now that it's paid off?

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.

Scams and Fraud Frequently Asked Questions

Do you have a place where I can view the most current Scams and Fraud to watch for?

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

Mobile Deposit Frequently Asked Questions

How do I make a Mobile Deposit?

    • Log into your Tyndall Online Banking App
    • Click Deposits at the bottom of your screen
    • Select the account you would like to deposit to
    • Enter the amount of the check
    • Capture a clear image of the front and back of your check
    • Tap deposit


How do I know if my mobile deposit was accepted?

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. 

When will my deposit show in my account?

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

Posting files run 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.

When are my funds available?

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 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 5th business day.

Have a Question for Tyndall?