Smart Start Bundle

The Smart Start Bundle is the ultimate account package for the 15 to 25 crowd. With all the products and services you need (plus a few other perks), getting started in the real world is pretty simple. Ask for the Smart Start Bundle — available only at ORNL Federal Credit Union!

  • Smart Start Savings Account*
  • ATM Fee Forgiveness
  • Oops! Refunds
  • FREE Online Banking
  • FREE Web Bill Pay
  • FREE VISA Check Card
  • FREE eStatements
  • FREE Direct Deposit
  • Value Checking Account
  • No Minimum Balance Requirements

Courtesy Overdraft

If you accidentally overdraw your checking account, relax. With Courtesy Overdraft** protection, we’ve got you totally covered.

  • Protects you from added merchant fees
  • Saves hassle and embarrassment
  • Safeguards your credit rating
  • Charges one overdraft fee for each item paid

Visa® Check Card

Writing checks is so old school. Spending smart is as simple as sliding your Visa® Check Card. It’s the quick, convenient, more secure way to pay. Plus, it’s free with your checking account.

  • Funds deduct directly from your personal checking or savings
  • Access cash fast from any of our fee-free networks
  • Make fast, convenient purchases wherever Visa® is accepted
  • Save money on check orders
  • Track spending on Online Banking & eStatements

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

* Minimum $5 deposit to open and maintain account. A $2.00 paper statement fee applies to all checking accounts. To avoid this fee, simply sign up for free eStatements. See credit union for conditions, current rate and fee schedule.
** Opt in required for courtesy overdraft. Account requirements and conditions apply.