All members are eligible for our free overdraft protection plan. When you open your checking account we link your primary savings account to your checking account to automatically cover overdrafts. You may link other accounts such as money market accounts, special savings accounts or other accounts you may be joint on for this type of overdraft protection as well. We recommend you use funds in your accounts for your first level of overdraft protection to avoid other fees.

As a complement to Overdraft Protection, Tampa Bay Federal also offers Courtesy Pay. Courtesy Pay is a fee-based overdraft protection service that allows us, at our discretion, to overdraft your account and pay items or transactions that may normally be returned or denied. Learn More

Yes, any check is subject to a hold for a minimum 2 business days. For your protection, a check may be placed on a longer hold if the credit union determines it is outside normal account activity, or suspicious. 

Images of paid checks are available within your account transactions. If a paid check does not appear in your transaction history, you may request a copy.

Check copies will be sent via secure email to the email address on file unless you request that the copy be mailed. Mailed copies will be sent to the address on your account within 10 business days. To verify or update your address, go to Online Services and select Address/Phone Number.

Applicable fees will be charged to your account. If the check cleared more than 90 days ago, an additional statement copy fee may apply.

To request a copy of a paid check:

1. Select the Online Services tab.
2. Select Check Copy.
3. Enter the check amount without dollar signs or commas.
4. Enter the check number.
5. Enter the date the check cleared (MM/DD/YYYY).
6. Select Submit.

Tampa Bay Federal offers several checking account options, including free and interest-earning accounts. To find the account that best fits your needs, review our checking options or connect with us through our Digital Branch with any questions. 

For a complete list of fees: Service Fees

If your checks are lost or stolen, click the chat icon to connect with an agent. Alternatively, you can call our Member Contact Center at (813) 247-4414, extension 7606, or visit any Tampa Bay Federal branch for assistance.