Simply Free Checking

Dollar sign in crossed out circle icon NO Fees
overdraft protection iconOverdraft Protection


Open a free checking account1 that features no monthly service charge and no minimum balance.

  • 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

Or, if you're looking to earn some dividends with your checking...Simply+ 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.  2ATM – 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.