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Initial Deposit1 $50 $50 $50
Digital Banking Access with Mobile Deposits & Bill Pay sailboat sails sailboat sails sailboat sails
Get paid early with direct deposit2 sailboat sails sailboat sails sailboat sails
Mobile Contactless Payments sailboat sails sailboat sails
Card Control Fraud Prevention sailboat sails sailboat sails sailboat sails
Earns Dividends
sailboat sails3
Minimum Balance No Minimum Balance $2,500 $100
Monthly Fee $6 $104 $85
Debit Card Rewards sailboat sails sailboat sails sailboat sails
Access to 55,000+ surcharge-free ATMs6 sailboat sails sailboat sails sailboat sails
Fuel Rewards sailboat sails sailboat sails
Local Savings sailboat sails sailboat sails
ID Theft Aid sailboat sails sailboat sails
Roadside Assistance sailboat sails sailboat sails
Health Savings sailboat sails sailboat sails
Cell Phone Protection sailboat sails sailboat sails
Travel Accidental Death Insurance sailboat sails sailboat sails
Buyer's Protection sailboat sails sailboat sails

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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 7 exclusive images. 
Texas Bay and Astros debit cards

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. 2Eligible direct deposits can be credited up to one business day early. Early availability of funds is not guaranteed and may vary depending on transaction type, the timing of submission and funding by the payer, and standard screening 3Accounts are variable rate accounts and rates are subject to change at any time without notice. Fees could reduce earnings. 4A $10 monthly fee will be assessed if the minimum balance falls below $2,500. 5A $8 monthly fee will be assessed if the minimum balance falls below $100. 6ATM – 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.