All Spending accounts feature free*

  • Online Banking with Bill Pay
  • Mobile Banking with remote check deposit
  • Access to 30,000 fee-free ATMs nationwide
  • Visa Debit Card with secure chip technology
  • eStatements
*Data rates may apply for mobile app usage. Consult your carrier. Foreign debit card purchases may incur charges up to 1% of the transaction amount. A $2 paper statement fee applies to all accounts. To avoid this fee, sign up for free eStatements through Online Banking or the Mobile App. Members under age 18 or 65 and older are not charged a fee for paper statements.
ORNLFCU Spending Accounts


Digital Spending



To qualify for debit card rewards*:

  • 15+ debit card transactions
  • Direct Deposit or Round Up
  • Enrolled in Online or Mobile Banking
  • Enrolled in Bill Pay
  • Enrolled in eStatements

Update your account today by calling
800.676.5328 or clicking the chat option
to the right.

"What if I don't use Bill Pay?" and other questions are answered in the FAQs.

Maximize your rewards by using your debit card for everyday purchases like gas and groceries, monthly bills like phone and utilities, and digital purchases like Uber and Amazon.

No minimum balance.
No monthly fee.
$25 to open.

*Signature and PIN purchases qualify. ATM withdrawals do not qualify. Direct deposit within 35 days of statement date. Online or Mobile Banking requires a successful log in every 6 months to remain active.





The Spending account is available to meet your basic needs to deposit, withdraw, and transfer funds.


No minimum balance.
No monthly fee.
$25 to open.



spending plus



The Spending Plus account features:

  • Dividends paid monthly
  • Two free boxes of standard checks per year
  • Half off the first year of a safe deposit box rental
  • Up to 4 free cashier's checks or money orders per quarter
  • No fee for domestic wire transfers

$700 minimum daily balance to avoid a $7 per month service charge.
$25 to open.


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


  • 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!