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Essential Checking Account


Essential Checking provides the tools you need to conduct your important day-to-day business quickly and securely. Best of all, you don’t need a perfect banking record or credit report to qualify for Essential. 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.


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Mobile and online banking.

Access your account quickly and easily from any computer or smartphone. Manage your account from anywhere with services like mobile deposit and online bill pay.


Automatic withdrawals and payments.

Instant access to the funds in your account.


Overdraft privilege.

Opt into our Overdraft Privilege program and avoid bounced checks. Tiered access under certain conditions (balance requirements, overdraft fees, etc.) means Greater Texas will cover some overdrafts.2


VISA Debit Card.

Take advantage of easy use, global acceptance, and enhanced fraud protection with a VISA Debit Card.


Plan For Your Future With Essential Checking

Your life is busy. Between school, work, your social life, and spending time with family, you don’t want to add worrying about where you keep your money to the list. Opening an essential checking account allows you to ensure your funds are protected at a credit union you can trust while you enjoy your life.

Keeping a little cash on hand is fine, but nothing beats the ease of debit card access. What are you waiting for?






Start Over and Get the Most Out of Your Essential Checking Account


Personalized Debit Card


Free Access to Non-GTFCU ATM’s


Knowledgeable, Personalized Customer Service


Nationwide Access


Overdraft Protection


Online & Mobile Banking



Open an Account




★★★★★
“I just recently got the opportunity to rebuild my credit with your credit rebuild program after being turned down by others so many times. I am really excited for this new start. Thank you for the chance.”
- Mandy



Frequently Asked Questions



Other Available Checking Accounts at Greater Texas Credit Union


A key difference between a bank and credit union is the customized financial services and products. That means we offer a variety of checking options to help our members meet their goals in nearly every stage and phase of life.

With Greater Texas Credit Union, you can find just the right checking accounts for you, your family, or your business – no monthly service charges and minimum balance requirements.


Free Checking

Truly Free Checking accounts offer nationwide access, unlimited check writing, overdraft protection and privilege, and a VISA Debit Card.

Learn More

Teens Share Draft Checking Account

With Teens Share Draft, the teen is the primary account holder while a parent or guardian is ultimately responsible as the secondary on the account.

Learn More

Senior Checking

Golden Star Checking is available to our members who are 55 and over. All the benefits of our Truly Free Checking with added conveniences and free benefits.

Learn More

Free Student Checking

Plan for your future while keeping your money safe and secure. Convenient financial management you can access from anywhere.

Learn More

Business Checking

Our Business Advantage Accounts are open to businesses of every size. Enjoy the same dividend rates as our regular savings and checking accounts free of monthly service charges.

Learn More


1 Essential 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.

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

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