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Checking Accounts


Reliable, Accessible, and Secure


Texans are on-the-go, heads-down, powerhouses. A checking account that simplifies your life, now that’s a non-negotiable. That’s why we provide two different account options that work hard to make your life easier.


My Texans Checking

Our most popular checking account offers:

  • Personal finance management software right in online banking
  • Mobile App with Mobile Deposit
  • VISAcard® Debit/ATM Card – Use anywhere VISAcard is accepted and access your money at more than 80,000 Surcharge-Free ATMs
  • FREE notary service


My Texans Interest Checking

Earn dividends, get free services, and avoid fees* when you maintain a minimum daily balance of $2,500 in a My Texans Interest Checking Account. Plus, you receive:

  • Personal finance management tool right in online banking
  • Mobile App with Mobile Deposit
  • VISA® Debit Card – Use anywhere VISA is accepted and access your money at more than 80,000 Surcharge-Free ATMs
  • FREE box of checks1 (one per year)
  • FREE cashier’s checks (one per month)
  • FREE notary service


Debit Card Tap to Pay

Enjoy Contactless Payments

Look for the contactless symbol at checkout, then tap your card on the terminal and be on your way. It's a secure, convenient, quicker way to pay. 

Tap to Pay

Checking out has never been faster or more secure. Simply tap your Texans Visa Debit Card and be on your way!

Mobile Wallet Ready

Keep your card right in your phone - great for on-the-go purchases with a quick tap of your phone! 

Shopping Made Easy

Online or in-store, your Texans Visa Debit Card is ready to go. Accepted everywhere that takes Visa.
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Texans is always ahead of the curve with benefits.

ID Navigator powered by NortonLifeLock

Staying informed and knowing what to do when your identity is threatened is a tool every Texan needs in their toolbox. As a Texans Visa cardholder, you can take advantage of ID Navigator at no cost!

ID Navigator can help with:

  • Dark Web Monitoring
  • Data Breach Notifications
  • Stolen Wallet Assist
  • Privacy Monitor
  • And more!

Dovly Uplift


Everyone can benefit from a higher credit score. Texans Credit Union will help you chase it down. As a Texans debit cardholder, you can put Dovly to work helping to fix, manage, and maintain your credit score - all for free!

Dovly Uplift includes:

  • Monthly Credit Report and Score
  • Ongoing Credit Monitoring
  • Credit Alerts
  • Live U.S.-Based Member Services and Support

Dovly Logo

Checking Account Comparison

Open An Account
Benefit My Texans CheckingSM My Texans Interest Checking
Access to 80,000 Surcharge-Free ATMs with Allpoint and CO-OP™ networks
Debit/ATM Card with EMV Advanced Security and Fraud Protection
Earns Dividends - $2,500 minimum daily balance required

FREE Box of Checks (One per year)1 -
FREE Cashier's Check (One per month) -
FREE Notary Service
Mobile Banking App with Mobile Deposit
Monthly Service Charge $5 or $0 With any monthly direct deposit or enrollment in e-statements ($5 per mo. if not met) $10 or $0 When a $2,500 minimum daily balance is maintained ($10 per mo. if not met)
Online Banking with Bill Pay
Opening Deposit $5 $5
Paperless Statements
Text and Phone Banking

Need card help? No problem!


Call 1.800.472.3272 for 24/7 help with lost or stolen debit cards.

Texans Visa Debit Card FAQs

Yes. Each Visa contactless chip card carries the same trusted security as a Visa contact chip card. The one-time code generated every time a contactless chip card or payment-enabled mobile/wearable device is used at an in-store contactless-enabled terminal protects your payment information, making it extremely effective in reducing counterfeit fraud.
You can tap to pay where you see the Contactless Symbol on a checkout terminal. Millions of places around the world accept contactless payments, including fast-food restaurants, coffee shops, grocery stores, retail pharmacies, vending machines, taxis and more.
Contactless payments use short-range wireless technology to make secure payments between a contactless chip card or payment-enabled mobile/wearable device and a contactless-enabled checkout terminal. When you tap your card or device near the Contactless Symbol, your payment is sent for authorization. If you don’t see the Contactless Symbol on the checkout terminal, you can still swipe or insert your contactless chip card, just like any other Visa card.
Tapping to pay with a Visa contactless chip card or payment-enabled mobile/wearable device is secure, convenient and touch-free. Unlike cash, tapping to pay provides an electronic record of your purchases and gives you all the great functionality and convenience of a Visa card.

* Monthly fee of $10 per month is waived when you maintain a minimum daily balance of $2,500.

1 Texans Credit Union custom checks only.

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