Texans Two-Step Checking Account
Texans Two-Step Checking Account
Step up your banking experience with our revolutionary checking account, Texans Two-Step Checking. Earn more with increased interest rates on your linked Texans Savings account. Plus, enjoy exclusive Two-Step benefits. A checking account that helps you save? That’s doing things the Texas way.
Texans Two-Step Checking Account Benefits
Earn High Yield Interest
Get more out of your money. 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
Enjoy up to two monthly ATM fee refunds when you use an out-of-network ATM and up to two monthly ATM fee refunds when you use an international ATM.
Get Paid 2 Days Early
Get your paycheck up to two days sooner with direct deposit to your Texans checking account.
No Monthly Service Fee*
Regular monthly service fee* of $15 is waived with a monthly direct deposit of $4,000 or more.
Overdraft Protection Options
No overdraft fee applies when you use your Texans Savings or personal line of credit account to pay overdrafts.
Card Manager
Access personalized financial tools designed to make your life easier with Digital and Mobile Banking. Set savings goals, view spending insights, and more.
How Two-Step Checking Works
1. Set up direct deposit to your account
Set up your direct deposit of $4,000 or more to your new Texans Two-Step Checking account. We make it easy to switch in minutes with our simple Direct Deposit Switch Tool.2. Enjoy all the benefits of Two-Step Checking
Start enjoying high yield interest earnings on your Texans savings account, get access your available ATM fee refunds, get your paycheck up to two days early, and more!
Two-Step Checking Account Details
Your checking account for added benefits. Earn generous dividends on savings deposits up to $15,000 with no monthly service fee.
With debit card purchases everywhere Visa is accepted and access to over 80,000 fee-free ATMs nationwide, your money will always be close by.
Enjoy the benefits of a Two-Step Checking account and the various advantages of being a Texans member, including:
Your account also includes:
- Boosted savings with 4.00% APY^ on balances up to $15,000 in your linked Texans Savings account. Balances over $15,000 earn 0.01% APY^
- Out-of-network and international ATM fee refunds, plus access to over 80,000 surcharge-free ATMs nationally
- Linked checking and savings account that simplifies money management
- Available 24/7 debit card assistance, taking care of you around the clock
- NCUA federal deposit insurance up to $250,000 per account
Digital & Mobile Banking
With digital banking, you can view account balances and past statements, make payments, transfer funds, manage your cards, and more online or with our mobile banking app.1Texans Debit Card 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.
Two-Step Checking Faqs
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Learn More^ APY = Annual Percentage Yield.
* 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, 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.
1 Texans does not charge a fee for mobile banking, text message banking or any of our smart phone apps. Mobile carriers may assess standard text messaging and/or cell phone data usage charges. Please check with your service provider for more information.
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.
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