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*

Frequently Asked Questions

• Can I open a Truly Free Checking Account online?

  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

• Do I have to be a member to open this account? Does every authorized user have to be a member?

  Yes, you need to be a member to open a checking account. You can become a member by registering online or in a branch and opening a savings account. A checking account can be opened at the same time. All authorized users must qualify for membership, but do not need to previously be a member. Authorized users added to the account will automatically become members.

• Is this account good for students?

  Yes, this account is great for students 18yrs 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. Students enrolled at Texas A&M can earn entries into our annual Tuition Takedown Giveaway by using their debit card associated with this free checking account.

• Does it cost anything to open a regular checking account? Are there any annual fees?

  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 deposit of $25. This amount will cover the cost of your first box of checks, if you want to order them. There are no monthly or annual fees for either a checking or savings account.

• Why is a deposit needed to open the checking account?

  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.

• Does there have to be a minimum amount in a checking or savings account at all times?

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

• How long does it take to receive my debit card by mail after opening a checking account?

  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.

• Is a credit check required to open a free checking account? What if I have bad credit?

  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.

• Can I get overdraft protection with a free checking account?

  Yes. Members can opt into overdraft protection on their checking account. Funds will be transfers from the member’s savings account to cover checking charges. A fee of $3 per transfer will be applied with a maximum of 6 electronic withdrawals from savings per month. There is no additional monthly or annual fee for this service.

• What is my routing number?

  The credit union's routing number is: 314977337.

Resources

*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.