Golden Star Senior Checking Account

When you open a checking account at a Greater Texas Credit Union, you are tapping into an organization rooted in your community committed to helping you reach your financial goals.

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Low or no fees.

Low or no fees means more money in your pocket. You don’t get that at the big banks.

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Exclusive discounts.

We’ve got you covered with discounts for theme park tickets, legal assistance, and more.

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Community-focused.

We are member-owned and community-based, so you’ll get personal service unlike anywhere else.

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Better rates.

We distribute our gains to our members, which translates to better rates for you.

A Free Checking Account That Pays Interest

Best For	Members 55 and over who want a free checking account with extra benefits like free checks, ATM transactions, and more.
Monthly Fee	$0
APY	0.05%*
Opening Deposit	$25
Minimum Balance	$1,000 in an account other than checking

^* For balances of $1,250 and over.

Access Your Account, Your Way

Telephone Banking

Free telephone banking. Review your account balances and activity, make transfers, and more!

Online Bill Pay

The free, fast, and easy way to pay bills online... even set reminders and automatic payments!

Online Banking

Free online banking. Check account balances and activity, transfer funds, view check images, and more!

Mobile App

All the functions of online banking with mobile convenience! Featuring mobile check deposits!

The Senior Checking Account That Gives Your More

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Personalized Debit Card

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Unlimited Check Writing & Free Debit Card

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Free Money Orders & Cashiers Checks

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Free Account Histories

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0.05% APY for balances of $1,250 and over.

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Free Access to Non-GTFCU ATM’s

Open an Account

★★★★★

“I have been a member since 1986. You've always taken excellent care of me and my banking needs.”

- Dana G.

★★★★★

“I've been with the Credit Union for 27 years, and I love it.”

- Australia N.

Frequently Asked Questions

How can I open a Golden Star Senior Checking Account?

You can open an account in person at one of our branch locations or here online. Learn how to open an account online.

If you have questions about opening an account, we welcome you to contact one of our Member Services Representatives. We’re here to help!
Do I have to be a member to open this account?

Yes, you need to be a member to open a checking account. Becoming a credit union member is quick and easy. You can register by opening a savings account online or in one of our branches.
What makes this account different from your other checking accounts?
With this account, you get extra benefits. We start by giving you all the perks that come with our Truly Free Checking, and then we add the following:
- Free money orders
- Free cashier's checks
- Free account histories
- One free box of checks per year
- 7 free ATM transactions per month
This is our most benefit-rich checking account, and you only need to keep a minimum balance of $1,000 in any account other than checking to hold this account.
Does it cost anything to open this senior checking account? Are there any annual fees?

No. It’s really a free checking account. There are no monthly or yearly fees for either our checking or savings account.
Does there have to be a minimum amount in this checking account at all times?

We don’t require a minimum balance in this Golden Star Senior Checking account but ask that you keep a minimum balance of $1,000 in an account other than this one. Doing so earns you all the extra benefits that come with this account.
How long does it take to receive my debit card by mail after opening a checking account?

Once you open your checking account and request your debit card, it should take 3-5 business days to receive your debit card in the mail.
What is my routing number?

The credit union's routing number is 314977337.

More Checking Accounts

At Greater Texas Credit Union, we have an account to meet your needs. All of our checking accounts are fee-free and require no minimum balance. Be sure to let us know if you have any questions because we are always here to help.