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Open a Checking Account; Get a FREE gift!

Your search for a new checking account stops here at Texas Bay Credit Union. We have the account you’ve been waiting for.  When you open your new checking account, get a FREE gift* as a small “thank you” for choosing a Texas Bay Credit Union.  In addition to the gift, every new consumer checking account includes:

  • FREE Instant Issue Debit Card
  • FREE Online Banking with Bill Pay
  • FREE Mobile Banking with Check Deposit
  • FREE eStatements with Online Check Images
  • FREE Overdraft Protection (refer to account opening disclosures for details)
  • FREE “Thank You” Gift*
  • Buy Back of Your Unused Checks and Debit Cards from Another Financial Institution**

Getting the best deal takes time and energy. But when it comes to checking accounts, it’s well worth the effort. Texas Bay Credit Union’s checking accounts can save you money.  Simply select a Texas Bay Checking account today to start the savings well past tomorrow.

If you really like us, don’t forget to Tell-a-Friend!  When they open a new checking account, you both get a FREE GIFT!

Simply FREE Checking

A FREE account for everyone!

  • No minimum balance
  • No monthly service charge
  • No per check charge

Or, if you’re interested in earning dividends…

Simply+ Checking

Earn dividends with the convenience of direct deposit or any automatic payment!

  • Competitive dividends
  • No minimum balance
  • No monthly service charge
  • No per check charge

Or consider these other great accounts…

50+ Checking

The perfect account for members 50 and over!

  • FREE personalized checks
  • Competitive dividends
  • No minimum balance
  • No monthly service charge
  • No per check charge

Premium Checking

An account for those interested in higher dividends!

  • FREE personalized checks
  • Higher dividend rate with a balance of $1,500 or more
  • Competitive dividends if balance falls below $1,500
  • Only $6 monthly charge if minimum balance falls below $1,500

Member Advantage Checking Qualifications

  • 10 Check (Credit) Card Transactions
  • One Direct Deposit or ACH Auto Debit
  • Receive eStatements

If qualifications are met during qualification period, the account will earn current stated dividend rate and corresponding APY* as well as a refund of up to $10 in ATM transaction service fees.  Click here for cycle dates.


Other fees such as non-sufficient funds, overdraft, etc. may apply.  See our fee schedule for details.  Offer good on personal accounts only; ask us about our outstanding options for your business or organization.  Credit union rules and regulations apply.  Minimum opening deposit is only $50.  Ask us for details.
*We reserve the right to substitute a gift of similar value. FREE gift may be reported on a 1099-INT or 1099-MIS.  Free gift provided at the time of account opening.
**Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented.