Minimum Opening Deposit
A $25.00 deposit is required to open this account.
You must be a student 25 or younger to open this account.
Monthly Service Fee
The Monthly Service Fee of $5.00 can be waived by - Having at least one Direct Deposit of $500 or more. - Active use of Texas Trust debit card of at least 10 times - At least one bill payment per month using bill pay service - Charges are waived if you are a minor (13-17)
Annual Percentage Yield (APY)
The account earns 0.02% for balances over $1.00 and 0.07% at $10,000.
up to 0.07%%
Debit Cards & Using ATMs
This account includes 'Spirit Rewards' For every swipe you make with your eligible Spirit debit card, Texas Trust donates to the school or school organization you choose to support* in order to continue educational excellence.. There is no annual fee for this card.
Surcharge-Free ATM Access
Surcharge-Free access to your cash at over 55,000 Allpoint Network ATM locations worldwide.
Non-affiliated ATM Usage Fee
There is a $2.00 fee each time you use a non-affiliated ATM.
International ATM Usage Fee
There is a $2.00 fee each time you use a ATM in another country.
Electronic & Telephone Banking
Online Bill Pay
Mobile & Text Banking
This institution supports:- A downloadable BlackBerry application to view account balances, view recent activity, transfer funds;- An iPhone application to view account balances, view recent activity, transfer funds;- An Android application to view account balances, view recent activity, transfer funds.
Deposit Checks with Mobile Phone
This feature is available on iPhone, iPad and Android applications.
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- Notice of deposits or withdrawals over a certain threshold;- The bad news that your account balance is below $0;- Confirmation that bills have been paid.
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
The first order of 'basic' checks is free for all new account holders.
Monthly Paper Statements
There is a $3.00 monthly fee to receive statements by mail.
Check Images with Statements
Online Check Images
Images of canceled checks can be viewed online for 6 months.
Overdrawing the Account
Free Account Overdraft
One returned item fee is waived per year.
Returned Item Fee
The Insufficient Funds Fee is $30.00 per overdraft.
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $5.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- Transfer fee of $7.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.
About Texas Trust Credit Union
Texas Trust Credit Union is a local Credit Union focused on the needs of the communities we work and live in. We serve our neighbors and can relate to your wants and needs. All our decision makers are local and experienced. You never get lost in the Corporate shuffle with Texas Trust.