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Smarter spending

Accounts that set you up to thrive.

We’ve Got You Covered

No matter the checking account you open with us, ORNL FCU members enjoy all of these essential features for free.

Online Banking

Pay bills, transfer funds, and manage cards from your digital device.

Mobile App

Bank with us anywhere you go with our free, secure app.


Access to 30,000 fee-free ATMs nationwide.

Secure Debit Card

All of our debit cards are equipped with secure EMV chips.


Enroll in paperless statements for fast, secure updates.

Digital Spending*

Spend responsibly and earn cash back on your debit card purchases. Open this account with an initial $25 to enjoy these benefits:

  • Earn $0.05 per debit card purchase, up to $10 per month.
  • Stay financially empowered by spending smarter.
  • Use your debit card for recurring bills and daily purchases to maximize your rewards.
  • Stress less with no minimum balance and no monthly fees.


Open Account


Perfect for those who want to get started with the basics to thrive.

  • Set up direct deposits.
  • Deposit, withdraw, and transfer funds.
  • Get a debit card with secure EMV chip.
  • Stress less with no minimum balance and no monthly fees.
Open Account

Spending Plus

A step up from our basic checking account, Spending Plus grants you additional benefits so your relationship with money can flourish. Open this account with an initial $25 to enjoy these benefits:

  • Premium rate paid up to $5,000
  • Dividends paid monthly.
  • Two (2) free boxes of standard-design checks per year.**
  • No fee for domestic wire transfers
  • Up to four (4) free cashier's checks or money orders quarterly.
  • Limit one account per primary member.
Open Account

Senior Benefits

ORNL FCU members that are 60 years and older with a Spending account enjoy premium benefits at no additional cost:

  • Two (2) free boxes of standard checks annually.
  • Half off the first year of safe deposit box rental.
  • No fee for domestic wire transfers.
  • Up to four (4) free cashier’s checks or money orders quarterly.
  • No paper statement or single service account fees.

Give us a call today to start your account 800.676.5328.

Debit Cards That Enable You To Save More

Enroll in our Round Up service to watch your savings account grow effortlessly. When enrolled, we automatically round up all ORNL FCU debit card purchases to the nearest dollar and transfer that difference to the ORNL FCU savings account of your choice.

Call us at 800.676.5328 to enroll in the Round Up savings program.

Simplify Your Spending

Put your mind at ease by activating Overdraft Protection. This feature means never having to worry about returned check fees or whether you have enough funds in your account—we’ll automatically transfer any necessary funds from a designated source to your spending account.

Call us at 800.676.5328 to activate Overdraft Protection on your account.

Frequently Asked Questions

Contact Us

*Signature and PIN purchases qualify. ATM withdrawals do not qualify. Direct deposit within 35 days of statement date. Online/Mobile Banking requires a successful login every six months to remain active. Purchases that qualify include:

  • Transactions requiring a signature or PIN
  • Digital purchases (such as Amazon, Uber, etc.)
  • Gas, groceries, and similar transactions
  • Monthly bills (such as phone and utilities)

To qualify for Digital Spending account benefits, you must have 15 or more debit card purchases per month and must be enrolled in:

  • Direct deposit or our Round Up program
  • Online/Mobile Banking
  • Bill Pay
  • eStatements

Direct deposit enrollment is required within 35 days of the statement date. To keep Online or Mobile Banking accounts active, successful logins are required every six months.

**Spending Plus members under the age of 60 pay shipping and handling.

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