Encore Checking

Affordable Banking With No Overdraft Fees

We'll Help You Reestablish Your Financial Footing

Tidemark's goal with the Encore Checking Account is to ensure that everyone has access to safe and affordable banking services, free of excessive minimum balances and high or unpredictable fees. Key features include no Overdraft fees, a free debit card for bill pay and purchases, and federal deposit insurance. Encore Checking is available in every one of Tidemark's 7 branches across Sussex, Kent, and Wicomico Counties.

Plus, all of these services for FREE:

FREE Debit Card for Bill Pay and Point of Sale transactions
FREE Branch Services
FREE Automated Telephone Banking
FREE Live Chat
FREE Mobile Deposit
FREE Online/Mobile Banking
FREE Account Alerts
FREE e-Statements

FEATURES
Debit Card	Free
Minimum Opening Deposit	$5 in Prime Savings Account; $0 in Checking
Overdraft or NSF Fees	$15 NSF Fee
Account Activation, Dormancy, Inactivity, and Low Balance Fee	None
MEMBER SERVICE
Branch Access	Free and unrestricted
Automated Telephone Banking	Free via our Automated Telephone Banking system or live with our Contact Center
ATM Access	Free at Tidemark Express Teller Machines (ETMs), Up to 8 per month free at foreign ATMs
FUNCTIONALITY
Deposit Capability	Free cash and check deposits in branch, at Tidemark ETMs, and via mobile banking
Bill Pay	Free
Member Check Cashing for Tidemark Checks	Free
Online and Mobile Banking	Free
Account Alerts	Free
Monthly Statements	Free electronic; $2 per month for paper statements

Rely on Our Expertise, Credibility and Consistent Advice

In late 2015, we implemented a plan to enhance our financial counseling services by certifying employees with the Accredited Financial Counselor (AFC®) designation. Our financial counseling program is free to members to help make a positive difference in your financial future. Our Financial Counselors are looking out for you and your family by offering various services:

Education regarding sound financial principles
Assist with debt management
Identify and modify ineffective money management behaviors
Develop successful strategies for achieving financial goals
Develop new perspectives on the dynamics of money in relation to family, friends and individual self-esteem

Financial Counseling

Encore Advance

Break free of payday lenders with the Encore Advance Program, a smarter, lower-cost alternative designed to help Tidemark members manage short-term cash needs without the trap of traditional payday loans.

Maximum advance is the lesser of $500 or your normal payroll deposit
Advance must be repaid by automatic debit on your next pay date (pay date cannot exceed two weeks; Social Security recipients may extend up to one month)
Fee: $5 per $100 borrowed

Ready to break the cycle? After 3 consecutive Encore Advances, you may qualify to roll your balance into an Encore Loan, giving you up to 6 months to repay based on your ability to pay.

Contact Member Services

Savings Goals Within Reach:
Discover Our Best Local Rates

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Looking for the checking account that fits your lifestyle and spending habits?

Tidemark Federal Credit Union has it. We're proud to serve members in Delaware, Maryland and beyond with various checking accounts tailored to all types of people – whether you're building up your credit or looking for higher rates on larger balances. We'll help you find the daily checking account that's right for you.

Apply Now