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.
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?
Newly Designed Mobile Banking App
- View your account balance(s)
- View account activity
- Transfer funds
- Locate a branch or ATM
- Remotely deposit checks
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
Frequently Asked Questions
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Can I open an Essential Checking Account online?
Yes, members can open this second chance banking account online. Non-members can establish their credit union membership online to open an essential checking account at the same time. Learn how to open an account online
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Do I have to be a member to open this account? Does every authorized user have to be a member?
Our essential checking account is only available to members, and any other authorized users must qualify for membership, as they automatically become members when they’re added to the account.
Becoming a credit union member is quick and easy, and you can open your checking account when you register with us by opening a savings account online or in-person at one of our branch locations.
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How quickly can a new member open an account?
Open a new credit union account online today and start taking advantage of our financial products and services.
A small, quick, and convenient initial deposit of $5 in a savings account gets you started as a Greater Texas Credit Union member.
Start your essential checking account with a $25 initial deposit that will be available for withdrawal the next business day!
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What kind of online savings accounts does a Great Texas Credit Union offer?
One of the benefits of credit union membership is the range of options designed to help you attain your goals and succeed. We offer a range of savings accounts to meet your needs, no matter what your situation or circumstances:
- Regular Savings Accounts Members build up savings over time.
- Money Market Accounts Higher interest rates than Regular Savings Accounts and the option to save for retirement with our IRAs.
- Christmas Club Accounts Members can save for the holidays throughout the year.
- Health Savings Accounts Tax-advantaged way to pay for health expenses.
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Why is a deposit needed to open savings and checking accounts?
A $25 initial checking account deposit verifies funds when you open your account. The deposit is required even if you don't want to order checks. It is available for access and withdrawal the next business day. A savings account only requires $5, which stays in the account throughout the lifetime of the account.
After you pay your initial deposit, your checking account carries no required minimum balance or monthly maintenance fee.
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Does there have to be a minimum amount in my savings account at all times?
Although we don’t require a minimum balance for our checking accounts, we do require a minimum account balance of $5 in the savings account that you opened when you registered as a Greater Texas Credit Union member.
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How long after I open my checking account will I receive my debit card?
You will receive your debit card by mail within 3-5 days of opening your checking account.
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What is the routing number for Greater Texas Credit Union?
Our routing number is 314977337.
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 MoreTeens 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 MoreSenior 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 MoreFree Student Checking
Plan for your future while keeping your money safe and secure. Convenient financial management you can access from anywhere.
Learn MoreBusiness 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