Your checking account should be more than a place to keep your money. That’s why we created our Two-Step Checking account , which lets you earn a high dividend rate on balances up to $20,000.* It outperforms many traditional savings accounts. At the same time, your funds are easily accessible for everyday expenses.

Let’s explore how Two-Step Checking works and what it offers. 

WHAT IS TWO-STEP CHECKING?

Texans Two-Step Checking is a checking account that does double duty. It lets you handle your daily spending needs while growing your savings by earning a high dividend rate on savings account balances up to $20,000.*

Instead of keeping all of your funds in one account, Two-Step Checking links to a savings account. Your checking account is used to pay bills, make debit card purchases, and receive direct deposits. At the same time, your savings account earns dividends that can far outpace traditional savings accounts.

While anyone can open a Two-Step Checking account, members who receive at least $2,000 in direct deposits each month qualify for the account’s higher dividend rate and additional benefits.

Opening a Two-Step Checking account is simple, and moving your direct deposit can be completed in minutes with our Direct Deposit Switch Tool . Once your direct deposit is set up, you can start taking advantage of everything the account has to offer.

Because your checking and savings accounts work together, it's easy to move money between them whenever you need to. You can quickly transfer funds through Digital Banking or the Texans CU Mobile App to cover expenses when they arise. This seamless connection helps you manage your money more efficiently.

TWO-STEP CHECKING BENEFITS

Two-Step Checking delivers more value in a single, streamlined account. In addition to earning a higher return on their savings, Texans Credit Union members can take advantage of a variety of features that make managing their money easier.

HIGH-YIELD SAVINGS RATE

One of the biggest advantages of Two-Step Checking is the opportunity to earn a strong return on your savings. With our dividend checking account, you can earn a high APY on balances up to $20,000. Balances over $20,000 continue to earn at our standard savings rate.*

ATM FEE REFUNDS

Two-Step Checking helps you avoid ATM fees by offering refunds for up to two domestic out-of-network ATM fees and two international ATM fees each month.* You'll also have access to over 80,000 surcharge-free ATMs nationwide, giving you more flexibility to withdraw cash when you need it.

ADVANCED SECURITY AND CARD CONTROLS

Easily manage your account from anywhere with the Texans CU Mobile App . Monitor activity, receive real-time spending alerts, and freeze your card instantly if you suspect fraud or if your card is lost or stolen. Your account is also protected by multi-factor authentication and encryption to safeguard your information and prevent unauthorized access.

ROUND-UP SAVINGS

Grow your savings with every purchase. With the Texans Roundup program, every time you make a debit card purchase, the transaction is rounded to the nearest dollar, and the change is automatically transferred to your savings account. You can also choose to donate it to a charity of your choice, or split it between your savings and a charity.

SEAMLESS SAVINGS INTEGRATION

Easily move money between your checking and savings accounts whenever you need to. Because the accounts are linked, you can quickly transfer funds online or with the mobile app. Move funds to checking to cover everyday expenses, or move extra money into savings to take advantage of a higher dividend rate.

WHY TWO-STEP CHECKING STANDS OUT

Most checking accounts offer a few basic features, but not much else. Two-Step Checking goes beyond the basics with added benefits that give you more flexibility, convenience, and control over your finances. The account offers:

EXCLUSIVE FEATURES

Two-Step Checking is a premium account that makes it easier to manage your finances. Members enjoy no monthly service fee* when $2,000 or more is deposited into the account each month via direct deposit. You may also receive your paycheck up to two days early, giving you faster access to your funds. If your balance runs low, overdraft protection can help cover transactions and prevent unexpected declines.

You'll also have access to Card Manager , which allows you to set account alerts, spending limits, and turn your card on and off from your phone. If you ever need assistance, 24/7 debit card support is available. You can also send money in seconds with Instant Transfers , making it easy to split expenses or make payments.

HIGHEST RATES AND FLEXIBILITY

Two-Step Checking helps your money grow while giving you access to it when you need it. Since it's linked to a credit union savings account, you'll earn a higher return on your balance without sacrificing accessibility. You can check the latest rates anytime on the Checking Account Rates page.

SIMPLE TRANSITION PROCESS

Getting started with Two-Step Checking is quick and easy with our Direct Deposit Switch Tool . It will walk you through the process, and in just a few minutes, you'll be set up to start enjoying the benefits of your new checking account.

GET MORE FROM YOUR CHECKING ACCOUNT

Why settle for a checking account that only offers the basics when you can choose one that offers so much more? Texans Two-Step Checking is ideal for members who want an account that offers both convenience and the opportunity to grow their savings. It’s packed with features and benefits that make everyday banking more rewarding.

Ready to take the next step? Open your Texans Two-Step Checking account today, and start earning more on the money you're already saving.

OPEN YOUR ACCOUNT

*Each qualification cycle (1st of the month through last day of the month) that you have direct deposits of $2,000 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 $20,000, will earn the 3-month Certificate of Deposit rate. Balances over $20,000 will earn the same rate as the Regular Savings account. 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, and balances in your Regular Savings will earn the same rate as the Regular Savings account. Rates are variable and subject to change without notice. Limit one Texans Two-Step Checking account per member. Minimum balance of $1 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.