Frequently Asked Questions

We are a member-owned, not-for-profit financial cooperative. Unlike banks, which are owned by shareholders and driven by profit, credit unions exist to serve their members. Because of this structure, we're able to offer better rates on loans, higher dividends on savings, and lower fees. When you open an account with us, you become a member-owner with a voice in how the credit union is run, including voting in board elections.

Anyone who lives or works or has a family member who lives or works in Boone County, MO, Jefferson County, MO, St. Louis, MO, St. Louis County, MO, St. Charles County, MO, Warren County, MO, Franklin County, MO, Lincoln County, MO, and Sikeston, MO, and all students, faculty, staff, alumni, and student organizations at Mizzou, Stephens College and Columbia College.

To join, you'll need to meet our membership eligibility requirements and open a savings account with a minimum $5.00 deposit. You can apply online, by phone, or at any of our branch locations. Once you're a member, your immediate family members are typically eligible to join as well.

Yes. Your deposits are federally insured up to $250,000 per individual depositor by the National Credit Union Administration (NCUA) through the National Credit Union Share Insurance Fund. This provides the same level of protection as FDIC insurance at banks. Coverage extends to checking accounts, savings accounts, money market accounts, and certificates of deposit (CDs). For more information, visit MyCreditUnion.gov. Tigers Community members also receive an additional $750,000 in coverage provided by ESI, a licensed insurance company.

Primary account holders must generally be 18 years of age or older. However, we offer youth savings accounts for minors with a parent or legal guardian as a joint owner on the account and free Teen Checking with no minimum balance requirement or monthly fees.

Yes! Once you become a member of our credit union, you can remain a member even if you move. You'll continue to have full access to all of our products and services through online banking, mobile banking, our nationwide ATM network, and shared branching locations.

We offer a full range of deposit accounts to meet your financial needs, including checking accounts, savings accounts, money market accounts, certificates of deposit (CDs), and Individual Retirement Accounts (IRAs).

• Free Checking with no minimum balance requirement or monthly service fees, with fraud detection tools.
• Interest Checking that pays on every dollar with a minimum opening deposit of $25.00, with fraud detection tools.
• Fresh Start Checking offers members a second chance at a checking account with no minimum balance requirement, fraud detection tools and a $10 monthly fee.
• Teen Checking has no minimum balance or monthly fee and offers customizable account controls with fraud detection tools.
• CDs pay a higher dividend with terms ranging from 6 months to 5 years, and a minimum deposit of $500.
• Money Markets pay a higher rate of return while keeping the flexibility of adding and withdrawing funds.

Our routing number is 281080315. You'll need this number to set up direct deposit, automatic payments, wire transfers, and external account transfers. You can also find it on the bottom-left corner of your checks or in your online banking account.

You can find your account number in several ways: by logging into online banking or our mobile app, on your monthly or e-statement, or on the bottom of your personal checks (it's the number to the right of the routing number). You can also contact us or visit any branch, and we'll be happy to provide it.

We strive to keep fees as low as possible. Specific fees vary depending on the type of account you choose. Common fees may include overdraft or returned item fees, out-of-network ATM fees, and wire transfer fees. For a complete list, please review our fee schedule, available at any branch, or by request.

Dividends are typically calculated on your daily balance and credited to your account on a quarterly basis. The rate you earn depends on the type of account and, in some cases, your balance tier. Current rates are available on our website and are subject to change.

Yes! We offer accounts designed specifically for students and young adults, with features like no minimum balance requirements, no monthly fees, and tools to help build healthy financial habits early.

• Kids Savings Account for ages 12 and under that pays dividends on every dollar.
• Teen Checking with no minimum balance requirement or monthly service fees that comes with a debit card and mobile banking access with customized account controls.
• Annual college scholarships to high school graduating seniors and financial aid resources along with our private student loans.

Yes, we offer a range of business banking solutions including business checking, business savings, and business loan products.

• Business Checking has no minimum balance requirement or monthly service fees.
• Business Interest Checking has no monthly service fee and pays dividends on your balance. There is no monthly fee if a $2,500 balance is maintained monthly.
• High-Yield Business Checking pays higher dividends on larger balances and has no monthly service fee if a $10,000 minimum monthly balance is maintained.
• Small business loans and commercial real estate loans.
• Executive Business Mastercard® credit card with fixed low rates, no annual fee and rewards that can be combined with points from a Business Debit Card.

Contact our business services team to find the right fit for your organization.

Yes, withdrawing funds from a certificate of deposit before the maturity date will typically result in an early withdrawal penalty. The amount of the penalty depends on the term of the certificate. For terms to maturity less than or equal to 12 months, the penalty will equal 90 days' dividends. For terms to maturity greater than 12 months, the penalty will equal 180 days' dividends.

Yes, we offer Individual Retirement Accounts (IRAs), including Traditional and Roth options, to help you save for retirement. Our team can help you explore which options align with your long-term financial goals.

Inactive Accounts (Accounts with no withdrawals or deposits within a twelve-month period) may be subject to an Inactive Account Fee. If no activity occurs in Your Account within the time period specified by applicable state law, the property in Your Account may be subject to transfer to the appropriate state authority. To keep your account active, simply make a deposit, withdrawal, or transfer on a regular basis.

Simply provide your employer or the paying agency with our routing number 281080315 and your account number. If your employer requires a written letter or pre-filled form, contact us and we'll provide one. Direct deposit is the fastest way to access your funds on payday.

You can order checks through our online banking platform, our mobile app, by calling us, or by visiting any branch location. One free box of checks is available to members age 65+ when ordering through a branch.

You can sign up for e-statements through online banking or our mobile app. Once enrolled, you'll receive your account statements electronically instead of by mail, and you'll be able to view and download them anytime. E-statements are free, secure, and more environmentally friendly.

Yes! Our free online banking and Tigers Community Credit Union mobile app lets you manage your accounts anytime, anywhere. Features include account balances and transaction history, fund transfers, bill pay, mobile check deposit, loan payments, access to your credit score and credit report, e-statements, and account alerts. Our Tigers Community Credit Union mobile app is available for both iOS (iPhone/iPad) and Android devices.

If you've forgotten your password or your account has been locked due to too many login attempts, you can reset your password directly from the login screen by clicking "Forgot Password" and following the prompts. You'll need to verify your identity using the contact method on file. If you're still unable to access your account, please contact us at (888) 673-2844 and we'll help you get back in.

Yes! You can add your Tigers Community Credit Union debit card, credit card or both to Apple Pay, Google Pay, and Samsung Pay for fast, secure, contactless payments at millions of merchants. To get started, open your device's wallet app and follow the prompts to add your card. Your actual card number is never stored on your device or shared with merchants.

While we do not currently offer Zelle, you can use third-party payment apps like Venmo, PayPal, or Cash App linked to your debit card or checking account to send and receive money.

Yes! Our mobile deposit feature lets you deposit checks from anywhere by simply taking a photo of the front and back of the check using your smartphone. Log into our mobile app, select "Deposit," choose the account, enter the amount, and snap your photos. Please hold onto the physical check for at least 30 days after deposit.

Yes. You can set up one-time or recurring automatic transfers between your accounts through online banking or our mobile app. This is a great way to automate your savings, make loan payments, or move money between checking and savings on a schedule that works for you.

Yes! Our free online bill pay service lets you pay virtually any company or individual directly from your account. You can schedule one-time payments, set up recurring payments, and manage all your bills in one place. Bill pay is available in online banking or the Tigers Community mobile app.

You can set up custom alerts through online banking or our mobile app. Available alerts include low balance warnings, large transaction notifications, direct deposit confirmations, and payment due reminders. You can choose to receive alerts by email, text message, or push notification. To access alerts, click on the "Manage Alerts" tab in online banking or the "More" tab in the mobile app.

We take security seriously. Our online and mobile banking platforms are protected by multiple layers of security, including 128-bit encryption, multi-factor authentication, automatic session timeouts, and continuous fraud monitoring. We will never contact you by phone, email, or text to ask for your full account number, password, one-time passcode or Social Security number. If you ever receive a suspicious message claiming to be from us, do not click any links — contact us directly. Users can set up security alerts, login and transfer alerts, and custom card controls all in online banking or the mobile app.

Yes, you can manage your accounts from anywhere in the world using our online and mobile banking platforms. Before traveling internationally, we recommend submitting a travel notification so your debit and credit cards continue to work without interruption.

Yes! As a member, you have free access to your credit score through online banking and our mobile app. Your score is updated daily and includes key factors affecting your score, so you can track your progress and take steps to improve your financial health. You can also set up alerts to changes in your credit and download a free credit report monthly.

Yes! We offer credit cards with competitive rates and no hidden fees.

• Our Platinum Mastercard® offers a low fixed rate, no annual fee and 0% on balance transfers for 6 months.
• Our Platinum Rewards card features reward points on every dollar spent, a low fixed rate, no annual fee and 0% on balance transfers for 6 months. A 3.00% balance transfer fee applies on all balance transfers.

You can apply online, by phone, or at any branch.

Yes, our Platinum Mastercard with Rewards credit card includes a rewards program that offers an extensive collection of merchandise and travel options. Users earn 1 point for every dollar spent.

If your card is lost or stolen, please call us immediately at 573.443.8462 or 800.500.6860 during business hours, or 888.908.7834 after hours. You can also freeze your card instantly through our mobile app or online banking to prevent unauthorized transactions. Once reported, we'll cancel the compromised card and issue a replacement.

If you've misplaced your card and want to prevent transactions while you search for it, you can freeze it instantly through our mobile app or online banking. Log in, navigate to your card management settings, and toggle the freeze option. When you find your card, unfreeze it just as easily. If you believe your card has been stolen or used fraudulently, please contact us immediately rather than just freezing it.

If you see a transaction you don't recognize, we recommend first contacting the merchant directly, as many issues can be resolved quickly that way. If the merchant is unable to help, you can quickly file a dispute in online banking or the mobile app by accessing "Secure Forms", calling us at (888) 673-2844, or by visiting a branch. Please have the transaction details ready. The timing of dispute investigations vary depending on the type of transaction.

Before traveling, especially internationally, please let us know your travel dates and destinations so your cards continue to work without interruption. You can submit a travel notification through online banking or our mobile app, or by calling (888) 673-2844. We recommend submitting your notification at least a few days before departure.

You can change your PIN by calling (866) 985-2273. For security, never share your PIN with anyone, and avoid using easily guessed numbers like your birth date or sequential digits.

Yes! A balance transfer allows you to move high-interest credit card balances from other lenders to your credit union credit card, potentially saving you money on interest. Pay 0% APR for 6 months on balance transfers. A 3% balance transfer fee applies. To get started, contact us or apply and transfer your balances through online banking.

We offer a wide range of loan products with competitive rates, including auto loans (new and used), mortgages and home equity loans, personal loans, RV/boat loans, credit cards, student loans, lines of credit and small business and commercial real estate loans. You can check our current rates on our website and apply online, by phone, or at any branch.

Yes! You can start your mortgage application online through our website. Whether you want to buy a new home, second home, or refinance an existing mortgage, our mortgage team will guide you through the process from application to closing. For a free mortgage consultation, call our mortgage team at (636) 720-2495.

Yes, we offer both home equity loans and home equity lines of credit (HELOCs). A home equity loan provides a lump sum at a fixed rate, while a HELOC gives you a revolving line of credit you can draw from as needed. Both use your home's equity as collateral. Our HELOCs often offer low, fixed introductory rates with repayment terms up to 20 years. Borrowing up to 100% of your home's value is available on certain Home Equity products. Contact our lending team to discuss which option is right for you.

Yes! We offer programs designed to help first-time homebuyers, which may include lower down payment requirements, competitive rates, and homebuyer education resources. Contact our mortgage team to learn more.

Yes, we offer refinancing options for auto loans, mortgages, home equity loans and other loans. Refinancing can help you secure a lower rate, reduce your monthly payment, or shorten your loan term. Even if your current loan is with another lender, we can often help. Apply online or contact our lending team.

Yes, eligible members may be able to skip a loan payment through our Skip-a-Pay program. Interest will continue to accrue during the skipped month, and the skipped payment will be added to the end of your loan term. Skip-a-Pay is not available on real estate loans, credit cards or lines of credit. A $25 processing fee will apply to each loan payment skipped. A Skip-Pay request can be completed in online banking, our mobile app, or by visiting a branch location.

No! We do not charge prepayment penalties on our loans. You're free to make extra payments or pay off your loan balance in full at any time without any additional fees.

We offer several convenient ways to make loan payments: through online banking or our mobile app, by setting up an automatic recurring payment, by phone at (888) 673-2844, by mail to Tigers Community Credit Union, 4401 Smith Drive, Columbia, MO 65203 or in person at any branch. You can also have your employer send a portion of your paycheck directly to your loan via direct deposit.

If you notice suspicious activity, please take these steps immediately: Contact us right away at (573) 443-8462 or (888) 673-2844, or after hours at (888) 908-7834 so we can freeze your accounts and cards to prevent further unauthorized transactions. Change your online banking password and review your recent transactions. If your debit or credit card was compromised, we'll cancel it and issue a replacement. If you believe your personal information has been compromised, file a report with the Federal Trade Commission at IdentityTheft.gov. You are not responsible for unauthorized transactions reported promptly.

Scammers may try to trick you into sharing personal or financial information through fake emails, phone calls, text messages, or websites. Important things to remember: We will never call, text, or email you to ask for your account number, password, PIN, one-time passcode or Social Security Number. Never click links in unsolicited emails or texts claiming to be from us. If something seems suspicious, hang up and call us directly at (888) 673-2844. Use strong, unique passwords for online banking and enable multi-factor authentication. If you receive a suspicious message, please contact us.

You can update your address, phone number, and email through online banking, our mobile app, by calling us at (888) 673-2844 or by visiting any branch. For security reasons, certain changes such as a legal name change may require you to visit a branch with valid identification and supporting documentation.

To add a joint owner, both you and the person being added will typically need to visit a branch together with valid government-issued photo identification. The new joint owner will have full access to the account. To remove a joint owner, both parties are required to consent. Please contact us to discuss your specific situation.

A beneficiary (also called a payable-on-death designation) is the person who will receive the funds in your account in the event of your death. You can add or update your beneficiaries by visiting a branch, or by calling us at (888) 673-2844. We recommend reviewing your beneficiary designations whenever you experience a major life event such as marriage, divorce, the birth of a child, or the loss of a loved one.

Yes. If you have granted someone a valid power of attorney (POA), they may be able to conduct transactions on your behalf. The POA document and valid identification should be presented at a branch for review. We recommend sharing your POA with us in advance so it's on file when needed. Please note that a POA becomes void upon the death of the account holder.

We understand this is a difficult time, and we're here to help. What happens next depends on how the account is structured: If there is a surviving joint owner, they retain full access to the account. If a beneficiary (payable-on-death) is designated, the named beneficiary can claim the funds by presenting a certified death certificate and valid identification. If there is no joint owner or beneficiary, the account becomes part of the estate and requires legal documentation such as Letters Testamentary to access. Please contact us at (888) 673-2844 or visit any branch to begin the process.

If a transaction exceeds your available balance, our overdraft policy determines how it's handled. We offer several overdraft options. You can manage your overdraft preferences through online banking, by phone, or at a branch.

To close your account, please contact us at (888) 673-2844, visit any branch, or send a secure message through online banking. Before closing, make sure all pending transactions, automatic payments, and direct deposits have been moved to your new account. Your account balance must be at zero or you'll need to withdraw or transfer the remaining funds.

You can use any of our credit union ATMs free of charge. We're also part of the CO-OP ATM network, giving you surcharge-free access to 30,000 ATMs nationwide. If you use an out-of-network ATM, a fee of $2.50 may apply, and the ATM owner may charge an additional surcharge. Use our ATM locator on our website or mobile app to find the nearest surcharge-free ATM.

Shared branching is a cooperative network that allows you to conduct transactions at participating credit unions across the country. Services typically include deposits, withdrawals, transfers, loan payments, and account inquiries. You'll need a valid photo ID and your account number. We're part of the CO-OP Shared Branch network with 5,500 locations nationwide. Use our branch locator to find a shared branch near you.

Yes, we offer both domestic and international wire transfers. Contact us for wiring instructions.

Yes, many of our branches offer notary services for members at no charge. Please bring a valid photo ID and any documents that need to be notarized. We recommend calling ahead to confirm availability.

Yes, we offer financial planning services through Tigers Community Financial Advisors and LPL Financial to help members plan for retirement, manage investments, and protect their financial future. Contact us at (888) 673-2844.

Securities offered through LPL Financial (LPL), a registered broker-dealer (member FINRA/SIPC). Not Insured by NCUA or Any Other Government Agency. Not Credit Union Guaranteed. Not Credit Union Deposits or Obligations. May Lose Value.