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Personal Checking

The checking account you need with the features you want!

Because getting the most out of your money matters.


A checking account should be more than just a place to store your money. It should be a tool to help you reach your financial goals! With three accounts packed with features to help you get the most out of your money, you're sure to find the account that's perfect for you.


Your funds are secure with Texas Bay
Texas Bay Credit Union is federally insured by the National Credit Union Administration (Opens in a new Window)(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 (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.