Perks Checking

Checking with Added Perks

With Perks Checking1 you can pay your bills and pay yourself with money-saving benefits!


  • Anytime, anywhere banking tools
  • Get paid 2 days early with direct deposit2
  • No minimum balance
Perks and Protections

Fuel Discounts5

Earn 10¢/gallon for up to 20 gallons off of gas at Shell stations each month, by using your linked debit card for 15 qualifying transactions each month. 

Local Savings

Get local deals and national retailer discounts on dining, merchandise, travel, and more.

Personal Identity Theft Aid6,7,8

Protect your information with identity restoration, up to $5,000 personal identity theft benefit, payment card resolution, credit monitoring, identity monitoring, and child identity monitoring. Plus, keep tabs on your credit with score tracking and score simulating.

Roadside Assistance

Get up to $80 in service charges for free with 24/7 assistance. Coverage includes towing assistance, battery service, lock-out assistance, and more.

Health Savings

Save money on prescriptions, eye exams, frames, lenses, and hearing services at participating providers.

Cell Phone Protection6,7

Receive up to $800 per claim (max 2 claims per year) if your cell phone is broken or stolen when you use your Perks or Premium Perks checking account to pay your cell phone bill.

Travel Accidental Death Insurance7

Have peace of mind while traveling with $10,000 of coverage.

Buyers Protection and Extended Warranty6,7

Your purchased item can be reimbursed or replaced if an accident or theft occurs within 180 days or purchase, when purchased using your Perks checking account.

Do you carry a high balance on your checking and want to avoid a monthly fee? Check out our Premium Perks Checking.


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. Accounts are variable rate accounts and rates are subject to change at any time without notice. Fees could reduce earnings. 

2Eligible direct deposits can be credited up to two 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.

3Monthly fee will be waived for minors (17 years old and under) and senior citizens (65 years old and older)

4ATM – 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.

5You’ll receive a one-time activation reward of $0.10 per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice.

6Subject to the terms and conditions detailed in the Guide to Benefits.


8Identity monitoring and credit monitoring each require additional activation to begin