Minimum Opening Deposit
Account may be opened with a deposit of $1.00 or more.
$1.00
Monthly Service Fee
There are no Monthly Maintenance Fees with this account.
$0.00
Interest Rate
This is a high-yield interest checking account. You can earn 1.76% on balances up to $15,000.00. The rate for balances over $15,000.00 is 0.15%. The rate if you don't qualify for the bonus is 0.05%.To qualify for the bonus rate, each month you must: - Make at least 10 debit card purchases; - Have at least one direct deposit OR at least one automatic payment; - Receive monthly statements electronically.
up to 1.76%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
ATM Fee Reimbursements
Automatic fee reimbursement, up to $10.00 per month as long as monthly account requirements are met.Rebates are credited to your account at the end of the statement cycle.To qualify, you must meet the same minimums required to receive other incentives.
Yes
Non-affiliated ATM Usage Fee
There is a $1.50 fee each time you use a non-affiliated ATM.
$1.50/per use
International ATM Usage Fee
There is a $1.50 fee each time you use an international ATM.
$1.50/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Free
Deposit Checks with Mobile Phone
This feature is available on the iPhone, iPad, and Android mobile application.
Free
Email Alerts
Not Available
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
First box free.
Yes
Monthly Paper Statements
Yes
Check Images with Statements
Included
Online Statements
Yes
Online Check Images
Yes
Overdrawing the Account
Returned Item Fee
You will be charged $29.00 for each overdraft.
$29.00/per item
Overdraft Protection
This checking account has 3 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 Alternate Checking 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 $5.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.
Available
About Texas Bay Area Credit Union
The mission of Texas Bay Area Credit Union is to offer each member the right product, at the right time, and delivered the right way.
Our organizational vision is to stand out as the leading financial institution serving the Texas Bay Area. We will achieve this vision by listening, by learning, and above all by putting our members first.