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Free Checking

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. Plus, get paid up to 2 days early when you utilize direct deposit.

Lower fees.

Fewer and often lower fees than commercial banks mean more money in your pocket.

Better rates.

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


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

Exclusive discounts.

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

A Truly Free Checking Account

Best For The GTFCU free online checking account is best for those who want a truly free checking account for everyday use.
Monthly Fee $0
APY 0.05%*
Opening Deposit $25
Minimum Balance $0
* For balances of $1,250 and over.


The Free Checking Account That Keeps on Giving

Personalized Debit Card

Free Access to Non-GTFCU ATM’s

Unlimited Check Writing

Nationwide Access

Overdraft Protection

Online & Mobile Banking

Open an Account

“I have had bank accounts in small town banks to big box banks. I have to say I have been extremely pleased with the service and support this institution offers. It has by far the best rates on Auto/Home loans. It is a very easy process to apply online and get approved. Once I actually walked into the dealership and found out they were a participating lender, I never saw a bank officer and got to sign all documents online with my iPhone and left with my car the same day. This is the longest I have stayed with one bank (3 years) and I am never going anywhere else! Nothing to complain about here!”
- Current Member

Frequently Asked Questions

  • Yes, members can open a truly free checking account online. Non-members can establish their credit union membership online and open a truly free checking account at the same time. Learn how to open an account online
  • Yes, you need to be a member to open a checking account. All authorized users must qualify for membership, but do not need to previously be a member.

    Becoming a credit union member is quick and easy. You can register by opening a savings account online or in a branch. What’s more, you can open a checking account at the same time. Authorized users added to the account will automatically become members.

  • You can open a new credit union account online today!

    Once you’ve identified the right credit union and gathered all the appropriate information (social security number/tax ID, physical address, and valid government ID), you can become a member by registering online or in a branch.

    After that, opening an account with a small initial deposit is quick and convenient, and your $25 initial deposit is available for withdrawal the next business day!

  • Yes, this account is great for students who are 18 years or older.

    It requires no minimum balance, so students won’t be charged for a low balance in the account. We also offer added benefits for university students such as our Texas State SuperCat debit card, and five free ATM transactions per month on network ATMs.

    Students can also enjoy overdraft protection, and opt-in to take advantage of our overdraft privilege program.

    There are additional perks that make a Greater Texas Credit Union online checking account the ideal accessory for students with busy social and academic lives. For one thing, you can deposit checks and pay family and friends through our mobile app. You can also choose from a variety of designs for your card to make it uniquely yours.

    Additionally, students enrolled at Texas A&M can earn entries into our annual Tuition Takedown Giveaway by making debit card purchases with the card associated with their free checking account.

  • To open a checking account, you must currently be a member of the credit union or establish your membership by opening a savings account. This can be done online or in a branch with a deposit of $5.

    The checking account can be opened at the same time with an additional minimum opening deposit of $25. This amount will cover the cost of your first box of checks if you want to order them.

    Once you have signed up, that’s it. There are no monthly or annual fees for either a checking or savings account.

  • When it comes to savings accounts, we offer a variety of options.

    Our Regular Savings Accounts allow members to build up savings over time. Money Market Accounts offer higher interest rates than the regular option, or you can save for retirement with our IRAs.

    Members can also save for the holidays throughout the year with our Christmas Club Accounts, or pay for health expenses through our tax-advantaged Health Savings Accounts.

  • The $25 initial deposit to open a checking account is to verify funds for the 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 that, there are no monthly fees, and no minimum required balance for your checking account.

  • We do not require a minimum balance in the checking account. For savings, the minimum account balance is $5.

  • Once the checking account has been opened, and the debit card has been requested, it should take 3-5 business days to receive the debit card in the mail.

  • No, a credit check is not required to open the account. Members can use this account regardless of their credit score or standing. However, a check will be run through ChexSystems to ensure there are no derogatory reports from previous financial institutions.

  • Yes. Members can opt into overdraft protection on their checking accounts. Funds will be transferred from the member’s savings account to cover checking charges.

  • The credit union's routing number is: 314977337.

More Checking Accounts

We have the account that meets your needs–in just about every situation and circumstance. All of our checking accounts offer no monthly service charge and no minimum balance.

Essential Checking

Essential Checking provides a better way to pay bills and manage spending using an array of essential, convenient services.

Learn More

Senior Checking

The Senior Checking Account offers exceptional benefits and features to our members who are 55 and over.

Learn More

Business Checking

The Online Business Checking account is designed to fit the needs of all businesses regardless of size.

Learn More

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