A Better Way to Pay Bills and Manage Your Spending

This unique checking account is free and offers you all of our essential, convenient services.

With Essential Checking you’ll have access to:

• Mobile and online banking
• Automatic withdrawals and payments 
• Overdraft Privilege ¹
  
• VISA Debit Card
  

Best of all, you don’t need a perfect banking record to qualify for Essential ² . The account was designed to assist members who have experienced past difficulties in managing a transaction account. Essential Checking can give you an opportunity to start anew.

Open your Essential Checking Account today! Visit your local branch for more details and qualifications.

Visit Your Local Branch

Frequently Asked Questions

• How long do I I have to have an Essential checking account before I can convert or switch to a regular checking with no restrictions?

  In order to convert to a normal checking account with Greater Texas you must have cleared up all derogatory reportings on ChexSystems from all previous financial institutions. Once you have cleared up all items, you may visit your local branch to establish the regular checking account. If you have any questions regarding your account, please contact our Member Services Department at (800) 749-9732.

• Can I open an account online?

  Essential Checking Accounts must be opened at one of our branch locations. A regular checking account can be opened online.

• We want to pay bills online. What place do we need to start?

  Online bill pay is only offered with our regular checking account, not the Essential account.

¹Overdraft Privilege subject to qualification standards; please ask for details.

²Essential Checking account subject to approval. Greater Texas Credit Union retains the right to inquire about past banking history with reporting agencies such as Chexsystems. You may not qualify for an Essential account if you have more than two (2) unpaid records or if the amount(s) of your unpaid record(s) is/are deemed to be “excessive”. Greater Texas Credit Union will define “excessive” at our sole discretion.