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Checking

Which FREE Checking Account Fits Your Needs?

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 with no monthly fee and FREE services.

Checking account charges such as NSF or Overdraft Protection are lower than most banks. Select a Texas Bay Checking account today to start the savings well past tomorrow.

Member Advantage Checking

Fee-free checking that pays dividends on your balances, with the convenience of a free MasterCard Debit Card. Only $1 to open.

Forget about large opening deposits, high daily balance requirements and service charges – and get your money to work for you by earning dividends on every dollar.

Benefits

  • FREE MasterCard Debit Card
  • FREE Online Banking
  • FREE Mobile Banking
  • FREE Remote Deposit Capture
  • FREE 24/7 Telephone Teller
  • FREE Texas Bay Bill Pay
  • FREE E-Statements
  • No Monthly Service Charge
  • No “Per Check” Fees
  • No Minimum Balance Requirements
  • First Box of Credit Union Checks at No Cost
  • Duplicate Checks
  • Overdraft Protection
  • Interest Paid on Balances of $250 or More
  • FREE Direct Deposit
  • Higher Interest Rates*
  • FREE ATMs Nationwide*

*When you meet certain qualifications:

To qualify for a Higher Interest Rate and FREE ATMs Nationwide, follow these requirements each cycle:

  • Process 10 Monthly Debit Card Transactions (signature based)
  • Have at Least One Direct Deposit or One ACH Auto Debit
  • Receive FREE e-Statements

Can’t always meet those requirements? You’ll still receive all of the other great features.

Terms and Conditions

Account Qualifications:

In order to receive 1.76% APY, you must

  • Make at least 10 signature-based transactions with your Texas Bay Credit Union issued Debit Card during each qualification period
  • Have at least one ACH Debit or ACH Credit during each qualification period
  • Receive eStatements

If any of these qualifications are not met, no ATM fee refunds will be made and the APY will be reduced to 0.05% APY, but there will still be no service charge.

Qualification Cycles Dates:

Cycle dates are an important function of the Member Advantage Checking Account. Activity during cycle dates are what determines if the account qualifies for 1.76% APY, 0.15% APY, or 0.05% APY.  Click here for a chart to help you understand when the cycle date begins and ends for a particular month.

 

*These are the dates used to determine your qualification. Account qualifications must be met during these dates to earn the highest rate possible and ATM refunds. Dates are subject to change.

*1.76% Annual Percentage Yield (APY) paid on average daily balances between one penny and $15,000, and 0.15% APY paid on average daily balance above $15,000 each cycle when the minimum qualifications are met. If you do not meet the account qualifications per cycle, your account will still function as a free checking account earning 0.05% APY on the average daily balance; however, the checking account will not receive ATM refunds for that time period. Rates as of August 1, 2013. Transactions MUST post to your account during the cycle period to meet the qualifications. We may change the interest rate and the APY at any time after the account is opened. No Minimum Balance Required. No monthly service charge. Member Advantage Checking Account is powered by BancVue. Member Advantage Checking Accounts closed during a cycle period forfeit interest and ATM fee refunds earned. ACH credits and/or credits initiated by TBCU through our ACH origination service do not qualify for the ACH Debit or ACH Credit qualification to earn rewards. Member Advantage Checking is only for personal accounts. Other restrictions may apply.

**ATM refunds up to $10 per cycle on foreign ATM Charges, not the fee TBCU charges, if requirements are met.

Overdraft Privilege

We understand that overdrafts can happen occasionally. That’s why we developed our discretionary Overdraft Privilege (ODP) product, an overdraft protection plans just for our members.

ODP provides the security of knowing your checking account will be covered if insufficient funds should occur and that we’ll adjust your checking account funds automatically to cover any outstanding checks. ODP will save you the headache of dealing with the occasional overdraft, as well as the costly fees that retailers charge for returned checks. ODP is simple and convenient.

Best of all, you pay for it only when you use it.

If an overdraft occurs, your account will be charged the standard NSF fee of $29 for handling each item even if paid by the discretionary overdraft privilege. This is the same fee that we charge for items drawn against insufficient funds and returned to the payee. Be assured, you can continue using your checking account until you reach your Overdraft Privilege limit.

To take advantage of this stress-free plan, simply open a checking account, and after 30 days / 60 days* in good standing, you’re eligible to start enjoying the benefits of ODP. Your ODP plan will remain in effect as long as you make deposits on a regular basis or have direct deposit.

For more information about Overdraft Privilege and Overdraft Protection, don’t hesitate to contact us.

*Members are eligible for Overdraft Privilege after 30 days for new personal checking accounts and after 60 days for new business checking accounts as long as the account remains in good standing.

Free Checking

Standard checking with no minimum balance, no fees and no initial deposit.

Basic free checking that’s anything but basic. Looking for great features? Check here first. Simple, straightforward and convenient.

Benefits

  • FREE MasterCard Debit Card
  • FREE Online Banking
  • FREE Mobile Banking
  • FREE Remote Deposit Capture
  • FREE 24/7 Telephone Teller
  • FREE Texas Bay Bill Pay
  • FREE E-Statements
  • No Monthly Service Charge
  • No “Per Check” Fees
  • No Minimum Balance Requirements
  • First Box of Credit Union Checks at No Cost
  • Duplicate Checks
  • Overdraft Protection
  • Interest Paid on Balances of $250 or More
  • FREE Direct Deposit

Terms and Conditions

*Offer valid for new membership ONLY.

**Interest on checking account balances of $250 or more will be compounded monthly. See branch for current rates.

***Some holds may apply.

Overdraft Privilege

We understand that overdrafts can happen occasionally. That’s why we developed our discretionary Overdraft Privilege (ODP) product, an overdraft protection plans just for our members.

ODP provides the security of knowing your checking account will be covered if insufficient funds should occur and that we’ll adjust your checking account funds automatically to cover any outstanding checks. ODP will save you the headache of dealing with the occasional overdraft, as well as the costly fees that retailers charge for returned checks.

ODP is simple and convenient.

Best of all, you pay for it only when you use it.

If an overdraft occurs, your account will be charged the standard NSF fee of $29 for handling each item even if paid by the discretionary overdraft privilege. This is the same fee that we charge for items drawn against insufficient funds and returned to the payee. Be assured, you can continue using your checking account until you reach your Overdraft Privilege limit. To take advantage of this stress-free plan, simply open a checking account, and after 30 days / 60 days* in good standing, you’re eligible to start enjoying the benefits of ODP. By making deposits on a regular basis or having direct deposit, this protection plan will remain in effect, whether or not you ever need it.

*Members are eligible for Overdraft Privilege when a new checking account is opened and in good standing after 30 days, and 60 days for business checking accounts.