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Initial Deposit1 $50 $50 $50 $50
Earn Reward Points sailboat sails sailboat sails sailboat sails sailboat sails
Earns Dividends
sailboat sails2 3 sailboat sails2
No Minimum Balance sailboat sails sailboat sails $1,5003 sailboat sails
Digital Banking Access with Mobile Deposits & Bill Pay sailboat sails sailboat sails sailboat sails sailboat sails
Mobile Contactless Payments sailboat sails sailboat sails sailboat sails sailboat sails
No Monthly Fee sailboat sails sailboat sails $64 sailboat sails
Card Control & Budget App sailboat sails sailboat sails sailboat sails sailboat sails
Free Personalized Checks

sailboat sails sailboat sails
Access to 55,000 surcharge-free ATMs5 sailboat sails sailboat sails sailboat sails sailboat sails




Open a checking account at Texas Bay Credit Union today!

All of our checking accounts offer a Mastercard® Rewards Debit Card and if you come into a branch to pick up your debit card you can choose from 1 of 4 exclusive images. 

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)(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(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.  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. 3Program Rewards. If requirements are met each monthly requirement cycle (calendar month): balances up to and including $1,500 receive our premium dividends. If requirements are not met, all balances earn our competitive dividend rate. Accounts are variable rate accounts and rates are subject to change at any time without notice. Fees could reduce earnings. 4A $6 monthly fee will be assessed if the minimum falls below $1,500.  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.