Checking

Choose from one of these checking account options.
We have one that’s right for you!

GEM Checking – With three checking account options GEM still offers you the best value!

  • 2 Boxes of Free GEM Checks per calendar year
  • Unlimited check writing privileges
  • Overdraft protection available through savings
  • Discretionary Courtesy Pay Check Protection (qualified members)
  • Pays highest dividend rate of all checking account options
  • Free E-Statements
  • Free Money Orders
  • Free Notary Public Service

Budget Checking – An economical account, that can pay dividends.

  • No monthly service charge if balance of $300 or more is maintained throughout the statement period (a $4.00 monthly service charge if balance falls below $300).
  • Dividends paid monthly on average daily balance of $500.00 or more
  • Discretionary Courtesy Pay Check Protection (qualified members)

Economy Checking – Our free checking account option.

  • No monthly fees
  • Unlimited check writing privileges (No per check fee)
  • Overdraft protection available through savings
  • Discretionary Courtesy Pay Check Protection (qualified members)

* Dividends are not paid on Economy Checking

Debit MasterCard

Change Saver

Courtesy Pay Disclosure

Overdraft Protection – TXBCU’s Overdraft Protection service clears transactions exceeding your available checking account balance (including ATM and debit card transactions). TXBCU will transfer funds from your linked savings account to clear overdrawn checking account transactions at a fee of $2.00 per overdraft item

MasterCard® SecureCode™

Get your own private SecureCode for added peace of mind when you shop online. The following site will allow you to register your TXBCU issued DebitCard for an added layer of security.  If you purchase from a merchant that is enrolled in the program you will need to register your card with MasterCard Secure Code in order to complete your purchases. The Credit Union does not have access to this special password and will NOT be able to help you reset it. To register now please click on the link below:

tdsc.ftpsllc.com/mcsc/activate

CHECK 21 Ushers in New Changes in Check Processing.  How Will it Affect Me?