Premium Checking

Savings, meet checking...

Texas Bay's Premium Checking Account1 gives you the best of both worlds with a premium earning rate and the versatility of your everyday checking account.

  • Premium dividend rate
  • FREE Personalized Checks
  • NO Minimum balance2
  • NO Monthly service charge3
  • FREE Rewards
  • FREE Mobile app for banking on the go
  • FREE Fraud control and budgeting tools
  • FREE Online eStatements
  • Debit Card is Digital Wallet capable
  • No per check charge
  • Overdraft protection available
  • Deposit checks through the Mobile App
  • Access to 55,000 surcharge-free ATMs
  • FREE Online bill pay
  • Up to $500,000 insurance on your account


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.  2. Program 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. 3A $6 monthly fee will be assessed if the minimum falls below $1,500.  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.