Personal Banking

Minor Savings Account

This account is designed with our young savers in mind.

• Must be under the age of 18
• Minimum Daily Balance of $10.00
• Interest earned if balance is over the minimum
• No maintenance fee

Student Savings Account

College bound? Here is the account for you

• Must be college student
• Minimum Daily Balance of $100.00
• Interest earned if balance is over the minimum
• No maintenance fee
• No Tri-County Bank charge for use of foreign ATM (may be charged by the ATM owner)

Christmas Club

A great way to save all year long for that holiday spending money, property taxes or whatever the occasion may be. Open a Christmas Club and receive a coupon book to make weekly deposits. You set the payment amount. The first of November receive a check for the balance of your account.

• No minimum balance
• Earns interest
• Coupon Book
• Funds may not be withdrawn without approval

Vacation Club

Just like our Christmas Club but you will receive a check the first of June. A great way to save for that summer vacation, home improvements, property taxes or whatever the occasion may be.

• No minimum balance
• Earns interest
• Coupon Book
• Funds may not be withdrawn without approval

Health Savings Account (HSA)

Paired with a high-deductible health plan (HDHP), an HSA is a tax-favored account that earns interest while you save for qualified medical expenses.

• Earns Interest on all balances
• Free debit card

Account Restrictions:

Eligibility restrictions apply to Health Savings Accounts. Please consult your tax advisor or the human resources department at your place of employment.

Individual Retirement Accounts (IRAs)

We offer both Traditional and Roth IRAs.

• Minimum to open $50.00
• Terms from 12 to 60 months
• Automatic Renewal
• IRAs must abide by the rules set forth by Federal Regulations

Coverdell Education Saving Account

A great way to save for a child's education!

• Minimum to open $50.00
• Terms for 12 to 60 months
• Automatic Renewal
• Distributions may be tax-free if used for qualified educational expenses
• Must abide by the rules set forth by Federal Regulations

For rates and questions regarding rules, please contact a customer service representative or email us and we will be glad to contact you.

Personal Loans

Tri-County Bank cares about you! We have lending solutions to meet your needs. Our experienced loan officers are on hand to help you.

• Personal Loans
• Vehicle Loans
• Consumer Loans

Call one of our loan officers today at 1-888-346-0800 or email us and we will be happy to help you.

Mobile Banking

Download your app from here (must have Netteller Online Banking set up first). You will leave our site when you follow these links.:

• Apple
• Android

Telephone Banking

Gives you 24 hour access to all your accounts with a touch of a button (touch tone phone).You can obtain account balances, find out the last six transactions on your account, transfer funds from savings to checking accounts, make loan payments, verify any direct deposit to your account (Social Security, Payroll Checks, etc.).

For your convenience you can select either English or Spanish.
1-877-677-2274 or 1-877-677-CASH

Text Message Alert Service

Protect your checking account from fraud with smsGuardian™ text message alert service!

smsGuardian™ is a service that uses text messages to enable you to monitor activity occurring on your account and respond immediately to potentially fraudulent transactions.

How It Works: When you enroll your Tri-County Bank debit card in smsGuardian™, you'll receive a text alert each time your card is used for:

• International transactions
• Transactions over $100.00
• Online or telephone transactions ("card not present")

Your text message will include the dollar amount of the transaction, last four digits of your card number, the location of the transaction and instructions to follow if the transaction is unauthorized:

Example: "TCBGuardian Alert card 1234 at Bestmart for $399.95. Reply DD1234NO if unauthorized".

If the transaction is legitimate, you don't need to do a thing. If you think the transaction might be fraudulent, respond to the text using the code provided in the original text message.

In our example, you would reply "DD1234NO". You have up to 12 hours to respond to an individual text message.

• Message and Data rates may apply
• To stop service text the word STOP to 27576
• For help with your account reply to a text alert with the word HELP, click on the service usage guide on the website, or call (888) 868-8611.