Free Checking

Truly Free Checking Accounts

Our checking account features no monthly service charge and no minimum balance.

We have the account that will fit your needs. Our member service team is here to serve you, so you can be sure you are receiving unparalleled service. All of our checking accounts offer no monthly service charge and no minimum balance. Our members also enjoy:

  • Just $25 to open, which is available for withdrawal the next business day
  • Three Visa EMV Chip Debit Card designs, including the TXST SuperCat Card
  • Use non-Greater Texas ATMs without incurring a fee 5 times per month
  • Earn dividends on minimum daily balances, check our current rates
  • Unlimited check writing*

Nationwide Access

Access your cash and accounts wherever you are, for free!  Enjoy a nationwide network of Co-op Shared Branches and free ATMs. Visit credit unions across the nation within the Co-op Shared Branching network and conduct transactions just like you would at a Greater Texas or Aggieland branch. Members can also use ATM's at any of the 8,000+ participating 7-Elevens and the 300+ ATMs in the Austin Alliance of Credit Unions surcharge-free.

Overdraft Protection and Privilege

Protect yourself from being in the red without any added monthly or annual service fees. With Overdraft Protection you can set up funds to automatically transfer from your saving account to cover overdraft transactions. Want a little more security? The credit union could cover overdraft transactions when you opt into Overdraft Privilege.

Frequently Asked Questions

Our checking account can also be used as:

  • Estate
  • Trust
  • Memorial
  • Special Funds
  • Organizational/Club accounts
For more information on these types of accounts please contact a Member Service Representative.


*To re-order checks, log-in to online banking or the mobile app. You will be able to easily reorder or customize your checks from there. Members can have special logos added to our basic check or choose from a wide variety of low-cost check designs to personalize your account as an added benefit.