A savings account can be opened for as little as $5 and a checking account for as little as $20 with no minimum balance. And there is no monthly fee and you can earn dividends on both accounts.

Try out mobile banking. TDECU mobile banking services let you check account balances and transfer funds from your mobile device for free. You can download the free CULoc8 app from iTunes to help you locate free ATMs and credit union service centers nationwide.