Texans are busy people. It’s important to have a checking account – and debit card – that can keep up. Our My Texans Checking and Texans Two-Step Checking accounts offer the on-the-go flexibility, accessibility, and security you need through our fully featured Texans debit cards and digital finance tools.
Click below to open an account or learn more about our offerings, or continue reading to learn answers to some of your most frequently asked questions about Texans checking accounts and debit cards.
Frequently Asked Questions
The process for covering transactions with Overdraft Protection or Courtesy Pay does not change. The service charge processes and the account incurs either an overdraft transfer fee or a Courtesy Pay fee.
Joining Texans Credit Union is easy. Membership is open to anyone who lives, works, or attends school in the state of Texas, the immediate family of members, and employees of a Texans Preferred Business.
1. Identity Verification
Gather a photo ID, proof of address, and social security card so we can verify your identity.
2. Submit Information
Apply for membership and submit your documentation online, in person, or over the phone.
3. Open Your Account
Open the account or loan that's right for you. We'll automatically add your membership savings account for you.
Fraud Security
At Texans Credit Union, our priority is to ensure your accounts and personal data are always safe.
Offers & Discounts
It pays to belong. Enjoy exclusive members-only offers from our trusted partners.
Digital Banking
Digital banking puts your finances at your fingertips. Use our online banking platform or mobile app.
Simple convenience or high-yield earnings? Wondering which Texans Credit Union checking account is right for you? Take a look at our handy comparison table below.
* 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.
** The monthly service fee of $5 is waived with any monthly direct deposit to your My Texans Checking account or enrollment in e-statements.
