You will need the following information in order to complete the application:
Government Issued ID/Drivers License/State ID or Passport with Current Address
Complete Physical and Mailing Address
Social Security Number
Date of Birth (Must be over 18 to apply online)
Funding Source for New Account
Select your eligibility
North Carolina: I currently live, worship, work regularly conduct business, or attend school in one of the following zip codes:
North Carolina
South Carolina: I currently live, worship, work regularly conduct business, or attend school in one of the following zip codes:
South Carolina
NC Employer: I am a current employee or receive a retirement pension from an eligible employer.
SC Employer: I am a current employee or receive a retirement pension from an eligible employer.
I am an immediate family member or in the household of a current Carolinas Telco Federal Credit Union (CTFCU) member.
Relationship
I am affiliated with one of the following qualified Associations.
Eligible Associations
I am not eligible for membership through the above criteria and elect to join through the NC Consumers Council (NCCC) to qualify for membership. Carolinas Telco FCU will fund my 1-year membership with NCCC, and I'm under no obligation to continue my NCCC membership after the 1-year term expires.
Consent for Overdraft Services I authorize CTFCU to pay overdraft items from my ATM and one-time debit card transactions. I understand I will be charged fees up to $35 each time an overdraft is paid on my behalf. There is no limit on the total amount of fees that can be charged to my account due to overdraft related activity.*
Overdraft Protection Transfer: Would you like Carolinas Telco Federal Credit Union to automatically transfer funds from your Primary Savings or High Yield Savings to your checking account to cover transactions that would otherwise overdraft your checking account? Please indicate your answer by selecting Yes or No*
Yes
No
Select the Preferred Overdraft Protection Account from the dropdown.*
Overdraft Protection Transfer: Would you like to use this account as a source of Overdraft Protection*
Yes
No
On the first business day of November, all funds in your Christmas Club account will be transferred to your preferred savings or checking account. Select your preferred account from the dropdown below.*
Select how you would like to fund your Christmas Club account.*
Enter the amount you would like transferred every pay period and deposited into your Christmas Club account.*
Consent for Overdraft Services I authorize CTFCU to pay overdraft items from my ATM and one-time debit card transactions. I understand I will be charged fees up to $35 each time an overdraft is paid on my behalf. There is no limit on the total amount of fees that can be charged to my account due to overdraft related activity.*
Overdraft Protection Transfer: Would you like Carolinas Telco Federal Credit Union to automatically transfer funds from your Primary Savings or High Yield Savings to your checking account to cover transactions that would otherwise overdraft your checking account? Please indicate your answer by selecting Yes or No*
Yes
No
Select the Preferred Overdraft Protection Account from the dropdown.*
Overdraft Protection Transfer: Would you like to use this account as a source of Overdraft Protection*
Yes
No
Are you a member of IBEW?*
Yes
No
Overdraft Protection Transfer: Would you like to use this account as a source of Overdraft Protection*
Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
This modal is for testing the Apple Pay workflow only. It will not be displayed to the applicants. Press the Success button to simulate a successful Apple Pay transaction. Press the Fail button to simulate an unsuccessful Apple Pay transaction.
Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.
Click on the button below to upload the following required documents:
Valid Identification (Front)- U.S. Driver's License, Passport, or Military ID for applicant and co-applicant, if any.Â
Proof of Address- If your current address is different from the one listed on your identification, please upload one of the following documents as verification: Utility bill statement, mortgage, rental, or lease agreement.
System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.