Texas Trust Checking: Which account is right for you?
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Feature List
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Comparison Grid
Power Checking
$5,000
Yes - 3.90% APY* on monthly balances of $5,000 or more, up to $500,000
Yes
$19.95 per month OR $0 with a minimum daily balance of $5,000
- 2 Free Stop Payments
- A free 3x5x22 safe deposit box
- Five free domestic wire transfers per month
- A free starter pack of 25 checks
- Online and Mobile Banking
Bonus Checking
$25
Yes - 0.15% APY* on monthly balances starting at $25,000
4 Overdraft Refunds per year ($120 value!)
$9.95 per month
Due to the benefits included in Bonus Checking, this fee cannot be waived
- Identity Theft Protection
- Cellular Phone Protection
- Telehealth Access
- Online and Mobile Banking
Easy Checking
$25
Yes - 0.05% APY* on monthly balances starting at $1,000
Yes
$4.95 per month OR $0 with monthly deposits totaling $250 or more
- Simple Banking
- Large ATM Network
- Online and Mobile Banking
Features included with all checking accounts
Looking for something different?
1: The following monthly service charges will apply to checking accounts:
Power Checking has a monthly service charge of $19.95 OR $0 with an average daily balance of at least 5,000.
Bonus Checking has a monthly service charge of $9.95. Due to the benefits included in Bonus Checking, this fee cannot be waived
Easy Checking has a monthly service charge of $4.95 OR $0 with monthly deposits totaling at least $250.
*APY = Annual Percentage Yield. Rates subject to change. APY is accurate as of the last dividend declaration date.
See our Truth in Savings disclosures: Share Accounts (Savings and Checking). You may also be interested in Savings/CDs options.
Overdraft Privilege Disclosures can be viewed here: Overdraft Privilege Disclosures
Notary Services are not available at all Texas Trust Credit Union Branches.
**TO RECEIVE BONUS CHECKING INCENTIVE REWARD:
Account holder must make 2 or more qualifying direct deposits totaling a minimum of $10,000 or more within 90 days of account opening to receive $500. Only new Bonus Checking account holders are eligible for this offer. Incentive Reward tiers are based on total qualified direct deposit amount. Account holder must deposit $3,000 to $4,999.99 to earn the $100 bonus, $5,000 to $9,999.99 to earn the $300 bonus or $10,000 or more to earn the $500 bonus.
| TOTAL AMOUNT OF DIRECT DEPOSITS | INCENTIVE REWARD |
| $3,000-$4,999.99 | $100 |
| $5,000-$9,999.99 | $300 |
| $10,000+ | $500 |
Incentive Reward tiers cannot be combined. Eligible members will receive their incentive deposited into their Bonus Checking account within 30 business days after the 90-day period has lapsed. A qualifying direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer, or the government. Other electronic deposits or person-to-person payments, including but not limited to: Zelle, PayPal, cash, check, and ATM deposits are not considered a qualifying direct deposit for this offer. Accounts must be open and in good standing to receive incentive reward. Account must remain open for 180 days from account opening. Closing the account before the 180-day period may result in incentive reward being withdrawn. Incentive reward may be reported as interest earned on IRS form 1099-INT, and recipient is responsible for any applicable taxes. Offer limited to one member per account and may not be used for multiple bonus checking accounts. Offer and terms subject to change without notice. Offer expires December 31, 2024
**TO RECEIVE POWER CHECKING INCENTIVE REWARD:
Account holder must make 2 or more qualifying direct deposits totaling a minimum of $10,000 or more within 90 days of account opening to receive $500. Only new Power Checking account holders are eligible for this offer. Incentive Reward is based on total qualified direct deposit amount. Account holder must deposit $10,000 or more to earn the $500 bonus.
Eligible members will receive their incentive deposited into their Power Checking account within 30 business days after the 90-day period has lapsed. A qualifying direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer, or the government. Other electronic deposits or person-to-person payments, including but not limited to: Zelle, PayPal, cash, check, and ATM deposits are not considered a qualifying direct deposit for this offer. Accounts must be open and in good standing to receive incentive reward. Account must remain open for 180 days from account opening. Closing the account before the 180-day period may result in incentive reward being withdrawn. Incentive reward may be reported as interest earned on IRS form 1099-INT, and recipient is responsible for any applicable taxes. Offer limited to one member per account and may not be used for multiple power checking accounts. Offer and terms subject to change without notice. Offer expires December 31, 2024.