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 your checks are available in your account transactions. You many request a copy of a paid check that does not appear in your transactions. Your check will be mailed within 10 business days to the address on the account. Please be sure to verify your address by going to "Online Services" and clicking on "Address/Phone Number." Your account will be charged for any applicable fees. If your check cleared over 90 days ago, there will be an additional statement copy fee.

To request a copy of a paid check:

1. Click on the Online Services tab. 
2. Click on Check Copy. 
3. Enter the amount the check was written for. Do not include dollar signs or commas. 
4. Enter the check number. 
5. Enter the date the check cleared (month/day/year). 
6. Click on Submit to request a copy of the check.

Tampa Bay Federal has several options including Free and interest yielding checking accounts. To determine the best checking account for you, review our checking account options or call our Member Contact Center at (813) 247-4414. 

If your checks are lost or stolen, call our Member Contact Center at (813) 247-4414 x7606 or visit any Tampa Bay Federal branch.