Unlock Financial Flexibility with Our New Two-Step Checking Account
5/1/25
As seamless as the Texas two-step, our new Texans Two-Step Checking Account will let you glide with ease between your checking and a high-yield savings account. Even better, it’s loaded with features and benefits you won’t want to miss out on.
So take advantage of this innovative, exclusive checking account that lets you enjoy a higher interest rate on your linked savings account so you can build your wealth faster—while still having access to your funds.
WHY IS THE TWO-STEP CHECKING ACCOUNT SPECIAL?
This account offers the best of both worlds: a checking account that’s connected to a high-yield savings account. And by high yield, we mean a whopping 4% annual percentage yield (APY^) on balances up to $15,000*. Think about it—on a $10,000 balance, you can earn an extra $400 in a year. Like we say in Texas: go big or go home!
EXCLUSIVITY AT ITS FINEST
This account offers a suite of exclusive benefits tailored to boost your banking experience, such as:
ATM REFUNDS
When you are charged a usage fee for out-of-network ATMs, you’ll receive two fee refunds per month. If you’re abroad and tap into an international ATM, you can also receive two fee refunds a month. What’s more, you can enjoy no-charge access to over 80,000 ATMs nationwide. Quite simply, our Two-Step Checking ATM refund policy puts more money back into your pocket.*
GET PAID EARLY
When you enroll in direct deposit, you can get your paycheck two days sooner, allowing you to kick off your weekends earlier!
MONTHLY SERVICE FEE WAIVED
If your monthly direct deposit is $4,000 or more, we will waive our regular $15 monthly service fee.*
OVERDRAFT PROTECTION
Link your Texans savings account or personal line of credit to cover overdrafts—no transfer fee is required. How’s that for overdraft protection?
DIGITAL AND MOBILE BANKING
Since you live a life on the go, take advantage of Texans’ Digital and Mobile Banking tools that can empower you to monitor your funds, set savings goals, and track spending—at any time, from anywhere.
24/7 DEBIT CARD ASSISTANCE
There’s nothing more frustrating than when your debit card has been compromised, misplaced, or even worse—stolen. But you can have peace of mind knowing we provide round-the-clock debit card assistance to solve any problem you might have swiftly.
ELEVATE YOUR FINANCIAL GAME
With the Two-Step Checking Account, you can smoothly combine your saving and spending power. With every debit card purchase, the transaction will be rounded up to the nearest dollar, with the difference being deposited into your high-yield savings account. So anytime you spend money, you’ll actually be adding some back into your account to grow your savings.
THE TEXANS CREDIT UNION DIFFERENCE
With a membership base that stretches across the entire Lone Star State, at Texans Credit Union we are proud to serve a wide range of fellow Texans. Just like our members, we are imaginative and always evolving.
Our new Texans Two-Step Checking Account was designed to offer the highest interest rates while maintaining the flexibility and ease of use that our members are accustomed to. So why not open one today?
^ APY - Annual Percentage Yield. Dividends on Dividend Bearing Checking Accounts will be compounded monthly and credited each calendar month. APY is accurate as of the last dividend declaration date. This is a variable rate product. The rate may change after the account is opened. Fees could reduce the earnings on the account.
* Each qualification cycle (1st of the month through last day of the month) that you have direct deposits of $4,000 or more to your Texans Two-Step Checking: (a) the monthly service fee of $15 will be waived; (b) two (2) Non-Texans ATM transaction fees of $7.50 each and two (2) International ATM transaction fees of $3.50 each incurred during the qualification cycle will be refunded to your Texans Two-Step Checking account on the first day of following month; and (c) balances on your Regular Savings account, up to $15,000, will earn the 3-month Standard Certificate of Deposit rate (4.00% APY as of 09/30/2024). Balances over $15,000 will earn the same rate as the Regular Savings account (0.01% APY as of the last dividend declaration date), resulting in 4.00% to 0.25% APY, depending on your account balance. Direct Deposit is defined as deposits via an Automated Clearing House (ACH) originated from another financial institution (ex. payroll, social security, incoming ACH from an external account). A direct deposit does not include peer-to-peer transfers from services such as PayPal, Zelle, Cash App, or Venmo, mobile check deposits, cash loans or deposits, and any deposit which Texans Credit Union deems to not be legitimate are not considered Direct Deposits. If you do not meet the direct deposit minimum, fees will not be waived, ATM fees will not be refunded, and balances in your Regular Savings will earn the same rate as the Regular Savings account (0.01% APY). Rates are variable and subject to change without notice. Limit one Texans Two-Step Checking account per member. No minimum balance required to open a Texans Two-Step Checking account. Minimum balance of $5 required to open a Regular Savings account, and a minimum balance of $25 is required to earn dividends. Fees may reduce earnings. A $2 paper statement fee will apply if not enrolled in e-statements with a valid email address.
