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Spending Plus
  Open Open
Best for: Looking for value? Our ​Spending Account with eStatements is completely free! You get unlimited VISA Check Card and ATM transactions, and free Online Banking with Bill Pay. Looking to earn some interest? Still writing a lot of checks and money orders? Then this account is for you.
Minimum balance to open $25.00 $25.00
Pays dividends No Yes
Debit card Free Free
Fee-free ATM withdrawals nationwide Free Free
Online Banking & Online Bill Pay Free Free
Monthly Fee 0 $7.00 per month
Minimum balance to avoid fee 0 $700
Overdraft protection available Yes Yes
Certain restrictions apply. A $2.00 paper statement fee applies to all Spending Accounts. To avoid this fee, simply sign up for free eStatements.

Debit Card


Talk about convenience! Our VISA Check Card looks like a credit card and works like a check.

Plus, when you enroll in our Round Up program, we'll automatically round up all your ORNL FCU debit card purchases to the nearest dollar and transfer them to the ORNL FCU savings account of your choice. 

Every dinner out, cup of coffee, and tank of gas adds up to more savings. What could be easier? 
Open Account



Card Alerts

Receive a text message or email when your card is used.

Set custom alerts for transaction types and dollar amounts for:

  • Purchases over a selected amount
  • International purchases
  • Online and phone purchase where the card is not physically present
  • Declined transaction

​Establish or change your alert preferences at any time.

  • Have you lost or had your card stolen?

  • Important Travel Notice

  • How Round Up Works

  • How to Qualify for Round Up

  • VISA Check Card Round Up Terms and Conditions




Overdraft Protection

Protect yourself and your S​pending Account by enrolling in Overdraft Protection! By automatically transferring funds from a designated source into your ​Spending Account, you’ll never have to worry about returned check fees or knowing if you have enough in your account. Please note that there is a fee assessed for each transfer. See fee disclosure for current fee amount.

Give us a call today to activate Overdraft Protection on your account: 800.676.5328!