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.
My Texans Checking
Our most popular checking account offers:
- Mobile App with Mobile Deposit
- VISAcard® Debit/ATM Card – Use anywhere VISAcard is accepted and access your money at more than 80,000 Surcharge-Free ATMs.
- Get paid up to two days early with Direct Deposit and access your hard-earned money sooner
- 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
My Texans Interest Checking
Earn dividends, get free services, and avoid fees
- Mobile App with Mobile Deposit
- VISAcard® Debit Card – Use anywhere VISA is accepted and access your money at more than 80,000 Surcharge-Free ATMs.
- Get paid up to two days early with Direct Deposit and access your hard-earned money sooner
- 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 box of checks (one per year)
- FREE cashier’s checks (one per month)
- 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 BENEFITS
ID NAVIGATOR POWERED BY NORTONLIFELOCK
Staying informed and knowing what to do when your identity is threatened is a tool every Texan needs in their toolbox. As a Texans Visa cardholder, you can take advantage of ID Navigator at no cost!
ID Navigator can help with:
- Dark Web Monitoring
- Data Breach Notifications
- Stolen Wallet Assist
- Privacy Monitor
- And more!
Dovly Uplift
Everyone can benefit from a higher credit score. Texans Credit Union will help you chase it down. As a Texans debit cardholder, you can put Dovly to work helping to fix, manage, and maintain your credit score - all for free!
Dovly Uplift includes:
- Monthly Credit Report and Score
- Ongoing Credit Monitoring
- Credit Alerts
- Live U.S.-Based Member Services and Support
CHECKING ACCOUNT COMPARISON
Explore Checking Account benefits below and Other Services for Texans members.
Checking Account Comparison
Open An Account| Benefit | My Texans Checking | My Texans Interest Checking |
|---|---|---|
| Access to 80,000 Surcharge-Free ATMs with Allpoint and CO-OP™ networks | ✓ | ✓ |
| Debit/ATM Card with EMV Advanced Security and Fraud Protection | ✓ | ✓ |
| Direct Deposit | ✓ | ✓ |
| Earns Dividends | - | $2,500 minimum daily balance required |
| FREE Box of Checks (One per year)2 | - | ✓ |
| FREE Cashier's Check (One per month) | - | ✓ |
| FREE Notary Service | ✓ | ✓ |
| Mobile Banking App with Mobile Deposit | ✓ | ✓ |
| Monthly Service Charge | $5 or $0 With any monthly direct deposit or enrollment in e-statements ($5 per mo. if not met) | $10 or $0 When a $2,500 minimum daily balance is maintained ($10 per mo. if not met) |
| Online Banking with Bill Pay | ✓ | ✓ |
| Opening Deposit | $5 | $5 |
| Paperless Statements | ✓ | ✓ |
| Text and Phone Banking | ✓ | ✓ |
Texans Visa Debit Card FAQs
* Monthly fee of $10 per month is waived when you maintain a minimum daily balance of $2,500.
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 Texans Credit Union custom checks only.
