Checking That Gives Back:
Earn Rewards for Your Everyday Spending

Tailored to fit your lifestyle and spending habits, our checking accounts offer options for all types of people in Delaware, Maryland, and beyond.

Get Rewarded for Being You. Find your perfect checking account with Tidemark Federal Credit Union!

High Tide Checking

Perfect for members who want the best of both worlds - high returns and plenty of perks.

Get Dividends and Cash Back with Our 3-Tier Checking Account (based on account balance)*

Low $5 opening deposit requirement

Unlimited withdrawals at Tidemark ETMs

Mobile deposits and money management tools

Reimbursement of surcharge fees at non-Tidemark ATMs up to $15/month

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Standard Checking

Built for members who don't frequently use their debit card but still want a lot of perks.

Dividends paid on all balances over $2000*

Low $5 opening deposit requirement

Unlimited withdrawals at Tidemark ETMs

Mobile deposits and money management tools

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Encore Checking

Perfect for those that need a fresh start.

Dividends paid on all balances

Low $5 opening deposit requirement in Prime Savings Account; 0$ in Checking

Unlimited withdrawals at Tidemark ETMs

Mobile deposits and money management tools

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High Tide Checking

Looking for a checking account with a Tidal Wave of Rewards? Earn up to a $100 a month in rewards.
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Checking Accounts That Check All the Right Boxes

See how our Rewards Checking account compares to other accounts across the board.
COMPETITIVE FEATURES
HIGH TIDE CHECKING
STANDARD CHECKING
ENCORE CHECKING
REWARDS OR DIVIDENDS
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MOBILE DEPOSITS
DIRECT DEPOSIT ADVANCE
ATM FEE REFUNDS
OVERDRAFT PROTECTION
ONLINE & MOBILE BANKING
FREE BILL PAY
ZELLE®
FREE VISA® DEBIT CARD
24/7 EXPRESS TELLER MACHINES
FREE CARD / FRAUD ALERTS
CHECK REORDER
MINIMUM OPENING DEPOSIT
$5 in Prime Savings Account
$0 in Checking
$5 in Prime Savings Account
$0 in Checking
$5 in Prime Savings Account
$0 in Checking
MONTHLY FEE
$5*        
*This fee is waived in any month you conduct a minimum of 10 posted signature-based debit or credit card purchases per month.

Savings Goals Within Reach:
Discover Our Best Local Rates

Looking for a checking account with a Tidal Wave of Rewards? Earn up to a $100 a month in rewards.
Not into electronic services? This go-to account is for you.
Need a fresh start? We have an account you.
Make in-store purchases, access money anytime through ATMs and track all activity online while getting rid of paper checks.
When you open your checking account, a set of temporary checks and your first full check order is on us. Reordering is just a click away. If you run out before your next order, we can supply emergency checks at any branch to tide you over.

Special Pricing and Ease Of Ordering

Reorder checks 24/7 by clicking here; or, if you prefer, you can order while in your account in Online Banking or by calling our Member Service Center at (302)-629-0100 during regular business hours. Group discounts apply to all check orders.

Apply for a checking account online in minutes.

With our user-friendly online application process, you can apply for your checking account quickly and easily. No need to wait in line at a bank. Simply provide your information, and we'll take care of the rest. It's that simple!
Open an Account
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CHECKING ACCOUNT

Frequently Asked Questions

Plus, You Get Access to Our Member Premium Benefits

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You Become a Member-Owner

We don't exist to enhance the wealth of our shareholders, we are member-owned. As a not-for-profit organization, we use our profits to increase Member benefits and support community causes.

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Your Money is Insured & Protected

Instead of being covered under FDIC, your deposits are covered under the National Credit Union Administration (NCUA), which insures deposits up to $250,000, the same amount as the FDIC. It’s a different name but the same function.

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Your Funds Are Easy to Access

With online and mobile banking, you have access to your account anytime and anywhere from your computer, smartphone, or tablet. Check your account balance, transfer funds, pay bills, and manage your finances easily without going to the bank.