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Accounts built with your business in mind, to fit YOUR needs

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 Simply Business Checking

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 Simply Plus Business Checking

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 Commercial Checking

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Initial Deposit1
$50
$50
$50
Earn Reward Points
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Earns Dividends2
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FREE monthly transaction items3, then 35¢ each
100
200
300
Digital Banking Access with Mobile Deposits
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Mobile Contactless Payments
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Zelle® for Small Business
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Monthly Fee
$12
$16
$20
Minimum Balance to Waive Monthly Fee4
$1,500
$5,000
$10,000
Free Fraud Prevention & Budgeting App
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Access to 55,000 surcharge-free ATMs6
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Trustpilot
 
Your funds are secure with Texas Bay
Texas Bay Credit Union is federally insured by the National Credit Union Administration (NCUA), which is backed by the full faith and credit of the U.S. Government.  Your deposit/shares at Texas Bay are insured up to $250,000, an amount equal to the insurance protection offered by the FDIC. Generally, if a credit union member has more than one account in the same insured Credit Union, those accounts are added together and are issued up to $250,000; however, there are exceptions.

Protecting your savings with the highest level of security available is one of Texas Bay Credit Union’s major objectives. That is why we combine your federal deposit insurance coverage with excess deposit insurance protection from Excess Share Insurance(Opens in a new Window) (ESI).

In addition to your accounts being covered by the NCUA to a limit of $250,000, ESI provides an additional $250,000 of savings protection to each qualifying account.
Disclosures:
1Must be a Texas Bay member with a minimum $1 membership deposit and continuing balance. New checking accounts subject to approval. Minimum opening deposit is only $50. 2Accounts are variable rate accounts and rates are subject to change at any time without notice. Fees could reduce earnings. 3Transaction items include all debits and credits; excludes debit card purchases and payments. 4Minimum average daily balance must be maintained to waive the monthly service charge. 5ATM – automated teller machine. Number of ATMs subject to change. Surcharge free ATMs limited to Texas Bay Credit Union ATMs and designated AllPoint Network ATMs. ATM must be in AllPoint network at the time of transaction.
Other fees such as non-sufficient funds, overdraft, etc. may apply. See our full fee schedule for details. Credit union rules and regulations apply. Speak to a Credit Union representative for complete details. Program, rates, rewards, terms and conditions subject to change without notice.