Banking with Telco Credit Union offers you Convenience and Security that doesn’t break the bank. Our added services are free or have very low fees. We have the technology you need to keep you in control of your finances and the extra security of Fraud Monitoring to help you keep your money safe. You work hard for money; we make managing it easy.

Bill Pay

  • Securely pay your bills online and for free when you use your online banking account to sign up for Free2Pay.
  • Please call 866-241-4826 or click on the Live Chat button in iPay for help.

Cashier Checks

  • Telco Plus Credit Union offers cashier checks to help you make large payments more safely. Instead of drawing funds from your account, a cashier check draws funds from Telco Plus.
  • Each check is $5. There is no maximum dollar amount for each cashier check. Telco Plus Credit Union will verify funds for guest members through CO-OP Shared Branching. The maximum cashier check for guest members is $2,999.

Courtesy Pay

When you open a Checking Account with Telco, you have a choice if you want to enroll in Courtesy Pay, our overdraft protection guarantee. For more information about overdraft protection and Courtesy Pay, please visit a Telco Plus Credit Union branch and speak to a member services representative.

Direct Deposit

You can arrange to have part of or all of the following deposited directly into your Telco Plus Credit Union checking or savings account:

  • Payroll
  • Social Security
  • Pension
  • Tax refund
  • Any recurring check

This eliminates the possibility of misplacing your paycheck and you won’t need to make a trip to cash or deposit it.

  • Talk to your HR Department to set up Direct Deposit or talk to Member Services for our Direct Deposit form.

  • Safe – Your paycheck is protected against loss or theft.
  • Worry-free – You can be assured that your check is deposited, even when you’re away from home.
  • Saves time – You no longer have to make special trips to the credit union or stand in line on payday.
  • Convenient – No more waiting for the mail. Your deposits are automatically made for you, allowing you to set your own timetable for accessing your funds.


Go paperless today with free banking E-Statements from Telco Plus Credit Union! This is a safe, convenient way to get your regular monthly and quarterly statements in electronic form. Home Banking stores 25-month statements for you.

Fee Schedule

If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.

Fees may change at any time wihtout notice and the current schedule is available in all of our branches.

Gift Cards

Our MasterCard Gift Cards make great gifts for graduating seniors, wedding and baby showers, birthdays, and Christmas. Give the gift of choice with our MasterCard Gift Card, plus it saves you time and worry!

Mobile Banking

  • Our Telco Plus Credit Union mobile app makes it easy to manage your bill pay, find fee-free ATMs, find shared branches, and make mobile deposits, all from your phone.
  • If you have never used your app for a mobile deposit, please see our helpful tips below and watch our mobile banking tutorial!
  • Download the Telco Plus Credit Union mobile banking app from your app store today!
google play logo apple app logo
Are you having trouble making a mobile deposit?

  • Make sure there are no creases or folds in the check.
  • Check your photo quality:
    • Use a solid background when taking a photo; try solid white or black for contrast.
    • Make sure all 4 corners of the check are well within the photo.
    • Make sure there is no glare or too much light on the check; the information on the check needs to be readable.
  • If you have recently changed your password, you might need to wait for the system to sync up.
  • Try uninstalling the app and reinstalling it.
  • If you are still having trouble, please call Member Services.

Money Desktop

Money Desktop is a free service that is offered with online banking. This Financial Management tool lets you view all of your financial accounts, balances, and transactions in one place. Use the interactive visualization report to manage your finances.

Online Banking

Online Banking with Telco Plus Credit Union is a great tool to help you take control of your finances. By keeping your accounts, your transactions, and your payments all in one place, you can easily create budgets and manage your financial health. Save more for a dream vacation and set up direct deposit so you never wait for your hard-earned paychecks. With online banking, you can access your account from any computer or smartphone – anywhere, anytime!

A few of the wonderful features of online banking with Telco Plus Credit Union:

  • Check your account balances and history
  • Make transfers between your accounts and to other Telco Plus members’ accounts
  • Reset your forgotten passwords 24/7
  • Make loan payments with debit cards from other financial institutions
  • Schedule recurring bill payments
    • Easily pay bills, make credit card payments, or schedule transfers to your saving account each month
  • Use Money DeskTop to create a budget and track your spending
  • Use Free2Pay to pay all your bills from one place
  • Download transactions into Money DeskTop or other personal financial software
  • Create alerts for payment reminders or deposit balances so you’re never surprised

Payroll Deduction

You can choose to automatically deduct money from your paycheck and deposit it into your savings account or checking account. You can also use it to make loan payments. Payroll deduction makes it easy to save, make sure you never miss a loan payment, and get a discount on your interest rate!

Reloadable Debit Cards

CUMoney reloadable debit cards give you the power to manage your money. Reloadable debit cards allow you to track your spending and easily add money to your card so you can better understand your spending habits and stay within your budget. You can use your CUMoney reloadable debit card wherever Visa debit cards are accepted, including ATMs.


Wiring Instructions

Telco Plus Credit Union offers domestic wire transfers and Western Union transfers. Domestic wires can be sent the same day if received in our office by 3:30 pm. Please call us if you have any questions. 903-753-5588

To: Catalyst Federal Credit Union
  • Routing/ABA# 311990511
  • To Credit: Telco Plus Credit Union
  • Please call Member Service for Wiring Fees.