We offer two forms of overdraft protection. We can link your UTFCU accounts to automatically move funds for you. We also offer Overdraft Protection Lines of Credit. Stop by any branch, or give us a call at (865) 971-1971, to learn more.

The availability of funds deposited to your transaction account aligns with regulatory requirements. The first $225 of your deposit will be available on the first business day after the day of your deposit. A longer hold may apply if you deposit checks totaling more than $5,525. If we delay your ability to withdraw funds, we will tell you when the funds will be available.

We have multiple checking accounts available, with different features, benefits, and fees. See our checking account page for information.

Contact us immediately at (865) 971-1971 and we will guide you through the recommended process to protect your account.