Reliable, Accessible, and Secure
Texans are on-the-go, heads-down, powerhouses. A checking account that simplifies your life, now that’s a non-negotiable. That’s why we provide two different account options that work hard to make your life easier.
Texans Two-Step Checking
Enjoy everything there is to love about the My Texans Checking account, PLUS earn extra interest on your linked savings account and get ATM fee refunds, all with no monthly service fee.*
- Earn high yield interest – Earn 4.00% APY^ on balances up to $15,000 in your linked Texans Savings account.* Balances over $15,000 earn 0.01% APY.^
- Get ATM fees refunded – Monthly refund of up to $15 in out-of-network ATM fees and up to $7 in international ATM fees.*
- Avoid monthly service fees – Regular monthly service fee of $15 is waived with a monthly direct deposit of $4,000 or more to your account.*
- Get paid up to two days early with Direct Deposit and access your hard-earned money sooner.
- Manage your debit card any time, anywhere with Texans Card Manager tool
- Enjoy even more perks with Texans Visa Debit Card benefits
- Maintain peace of mind with Overdraft Protection and the ability to turn your card off and on in the app
My Texans Checking
Our most popular checking account is perfect for everyday use and simplifies your life with:
- Get paid up to two days early with Direct Deposit and access your hard-earned money sooner.
- Texans Visa Debit Card – Use everywhere Visa is accepted and access your money at more than 80,000 Surcharge-Free ATMs.
- Manage your account easily with the Texans CU Mobile App, including Mobile Deposit, Texans Card Manager, and more.
- Send and receive money quickly and securely with Zelle®.
- Financial planning tools available in Digital Banking help you keep your credit on track and meet your savings goals.
- Maintain peace of mind with Overdraft Protection and the ability to turn your card off and on in the app.
- FREE notary service
ENJOY CONTACTLESS PAYMENTS
Tap to Pay
Checking out has never been faster or more secure. Simply tap your Texans Visa Debit Card and be on your way!Mobile Wallet Ready
Keep your card right in your phone - great for on-the-go purchases with a quick tap of your phone!Shopping Made Easy
Online or in-store, your Texans Visa Debit Card is ready to go. Accepted everywhere that takes Visa.
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MANAGE YOUR ACCOUNT ON THE GO
With digital banking you can view account balances and past statements, make payments, transfer funds, manage your cards, and more in our mobile app or online.
TEXANS CREDIT UNION IS ALWAYS AHEAD OF THE CURVE WITH BENEFITS2
- Cellular Telephone Protection
Get reimbursed if your cell phone is stolen or damaged when you use your Texans Visa debit card to pay your wireless cell phone bill.
- Dovly Uplift
Benefit from a higher credit score with credit monitoring and dispute management with Dovly Uplift. Put Dovly to work helping to fix, manage, and maintain your credit score.
- Roadside Dispatch
As a Texans Visa debit cardholder, you have access to Roadside Dispatch®, a pay-per-use roadside assistance program that arranges a dispatch to a reliable tow operator or locksmith.
Compare Checking Accounts
Get the flexibility you deserve. Choose the checking account that fits your lifestyle.
Compare Checking Accounts
| Benefit | Texans Two-Step Checking | My Texans Checking |
|---|---|---|
| Monthly Service Fee | $0 or $15* | $0 or $5** |
| Minimum Opening Deposit | $0 | $0 |
| Early Direct Deposit | ✔ | ✔ |
| Earn High Yield Interest* | ✔ | |
| Out-of-Network ATM Fee Refunds* | ✔ | |
| International ATM Fee Refunds* | ✔ | |
| Overdraft Protection Options | ✔ | ✔ |
| Contactless Visa® Debit Card | ✔ | ✔ |
| Card Manager with 24/7 Debit Card Access | ✔ | ✔ |
| Surcharge-Free Access to 80,000+ Allpoint & CO-OP ATMs | ✔ | ✔ |
Need after hours debit card help?
We're here for you 24/7. Get help with fraud alerts, lost or stolen cards, transactions, card activation, travel, Card Manager, and more. Call 1.800.843.5295 and select option 2.
Texans Visa Debit Card FAQs
* Each qualification cycle (1st of the month through last day of the month) that you have direct deposits of $4,000 or more to your Texans Two-Step Checking: (a) the monthly service fee of $15 will be waived; (b) two (2) Non-Texans ATM transaction fees of $7.50 each and two (2) International ATM transaction fees of $3.50 each incurred during the qualification cycle will be refunded to your Texans Two-Step Checking account on the first day of following month; and (c) balances on your Regular Savings account, up to $15,000, will earn the 3-month Standard Certificate of Deposit rate (4.00% APY as of 09/30/2024). Balances over $15,000 will earn the same rate as the Regular Savings account (0.01% APY as of the last dividend declaration date), resulting in 4.00% to 0.25% APY, depending on your account balance. Direct Deposit is defined as deposits via an Automated Clearing House (ACH) originated from another financial institution (ex. payroll, social security, incoming ACH from an external account). A direct deposit does not include peer-to-peer transfers from services such as PayPal, Zelle, Cash App, or Venmo, mobile check deposits, cash loans or deposits, and any deposit which Texans Credit Union deems to not be legitimate are not considered Direct Deposits. If you do not meet the direct deposit minimum, fees will not be waived, ATM fees will not be refunded, and balances in your Regular Savings will earn the same rate as the Regular Savings account (0.01% APY). Rates are variable and subject to change without notice. Limit one Texans Two-Step Checking account per member. No minimum balance required to open a Texans Two-Step Checking account. Minimum balance of $5 required to open a Regular Savings account, and a minimum balance of $25 is required to earn dividends. Fees may reduce earnings. A $2 paper statement fee will apply if not enrolled in e-statements with a valid email address.
** The monthly service fee of $5 is waived with any monthly direct deposit to your My Texans Checking account or enrollment in e-statements.
1 To receive up to $300 for the direct deposit bonus, enroll your direct deposit through Texans’ Direct Deposit Switch tool and receive a total of $3,000 or more each month in Qualifying Direct Deposits over a consecutive 3 month period into your Texans checking account. Texans will deposit $100 into your checking account after the first month in which a total of $3,000 or more in Qualifying Direct Deposits is received; $100 after the second month in which a total of $3,000 or more in Qualifying Direct Deposits is received; and $100 after the third month in which a total of $3,000 or more in Qualifying Direct Deposits is received. A Qualifying Direct Deposit is defined as deposits from an employer, payroll provider, benefits provider, pension, or the government (such as Social Security) via an ACH deposit. External ACH transfers not from employers, verification or trial deposits from financial institutions, peer-to-peer transfers from services such as PayPal, Zelle, Cash App, or Venmo, mobile check deposits, cash loans or deposits, and any deposit which Texans Credit Union deems to not be legitimate are not considered Qualifying Direct Deposits. Limit one $300 bonus payout per membership and per checking account. Accounts at Texans must be in good standing (no past due or overdrawn accounts) at the time the bonus is credited. Bonuses are considered interest and will be reported to the IRS as required. This offer can change at any time without notice.
2 Full benefits explained in the Texans Visa Debit Card Guide to Benefits disclosures provided with card agreement. Ask a Texans representative for more details.
