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. Program, rates, rewards, terms and conditions subject to change without notice.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. If the Simply FREE Business or Simply+ Business account exceeds 1,000 free monthly transactions, the account may be converted to another checking product.4Includes coin and currency. If the Simply FREE Business or Simply+ Business account exceeds $10,000 in monthly coin and currency deposits, the account may be converted to another checking product.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 fo 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.