Tidemark’s goal with our 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.

We'll Help You Reestablish Your Financial Footing

Key features of the Encore Checking Account include a monthly cost of only $5 a month (waived with debit card usage) NO NSF or Overdraft fees, the ability to pay bills and make 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

Our Encore Account received certification from the National Cities for Financial Empowerment Fund (CFE Fund) as meeting the Bank On National Account Standards (2023 - 2024). The national safe account standards, co-created by consumer advocates, leading national nonprofit organizations, civic leaders, and other financial institutions, designate both core and strongly recommended features that ensure low cost, high functionality, and consumer safety. We are 1 of 115 financial institutions nationwide with the certification.

Features
Debit Card	Free
Minimum Opening Deposit	$5 in Prime Savings Account; $0 in Checking
Monthly Maintenance Fee	$5*
Overdraft or NSF Fees	None
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; $1 per month for paper statements

*This fee is waived in any month you conduct a minimum of 10 posted signature-based debit or credit card purchases per month.

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.

Maximum advance is the lesser of $500 or your normal payroll deposit.

Abbreviated payroll advance application… original application is good for a period of 1 year

Advance must be paid by automatic debit on your next pay date. Pay date cannot exceed two weeks.

Fees: $5 per $100 borrowed.

Encore Loan

Need some help breaking free of the Advance cycle? We can put you on a schedule to pay off your advance over a time period up to 6 months.

Amount: Minimum Loan of $200 and maximum of $500.

Maturity: Minimum of 1 month and maximum of 6 months.

Interest Rate: 6% APR.

Payments: Equal installments of principal and interest over the term of the loan.

*Based on the borrowers’ ability to repay.

Contact Member Services

Savings Goals Within Reach:
Discover Our Best Local Rates

View Rates

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