*TO RECEIVE 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.

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 Closing the account before the 180-day period may result in incentive reward being withdrawn.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

**Beginning October 1st, 2024, new checking accounts will not be charged a Monthly Service Charge for at least the first two statement periods. After that, Bonus Checking will contain a Monthly Service Charge of $9.95. Due to the benefits provided by this account, this fee cannot be waived.

This fee information is valid through September 30, 2024. As low as $0 per month with fee discounts, otherwise $10 per month. Eligible fee discounts include: Active debit card Use: $2 (Active Debit Card is 10 non-ATM Point-of-Sale transactions per month totaling at least $100); Online Communication and Banking: $2 (must be actively enrolled); Senior age 55+: $2 (discount applied beginning on month of primary member’s 55th birthday); Public Servant: $2 (Public Servant is any full time employee of a local public or private school district, or municipality including city, county, state, or federal. Must present a recent check stub to qualify or a letter of intent for new employees. Must also fulfill other membership requirements); Active Bill Pay Use: $1 (Active Bill Pay Usage is paying three or more bills through Texas Trust’s Online Bill Pay in the previous month); Membership 5+ Years: $1 (The 5+ Year Membership discount is applicable if today’s date is greater than five years from the day the member initially opened their Texas Trust share account); Direct Deposit: $1 (A direct deposit or mobile deposit [or any combination of the two] totaling $500 or more per month is required to earn the Direct Deposit discount.

***APY: Annual Percentage Yield. Rates subject to change. APY is accurate as of the last dividend declaration date. Fees may reduce earnings on the account.

2: Overdraft fees will not be automatically refunded; member must request the refund by phone, email, or in person at a branch. Refund requests must be received during the calendar year it is assessed or within 30 calendar days; whichever is longer. Overdraft fees include Overdraft Privilege Fee and/or NSF (Returned item) Fee. Refunds will only be processed for fees assessed to the Bonus Checking account. We will charge you a fee of up to $30 each time we pay an overdraft. We do authorize and pay overdrafts for the following types of transactions: Checks and other transactions made using your checking account number, and automatic bill payments. We will not authorize and pay overdrafts for the following types of transactions without your consent: ATM transactions and everyday debit card transactions. Except as described in the full disclosure, Texas Trust Credit Union will not pay items if the ledger balance minus the overdraft adjustments is not sufficient to pay the item unless your account has sufficient amounts provided through Overdraft Protection and/or the Overdraft Privilege limit to cover the item(s) and the amount of any fee(s).  Depositor and each Authorized Signatory on the Account will continue to be liable, jointly and severally, for all overdraft and fee amounts, as described in the Membership and Account Agreement. The total (negative) balance, including all fees and charges, is due and payable on demand. Overdraft Privilege may be discontinued at Texas Trust’s discretion if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within thirty (30) days for a minimum of one business day. Full Overdraft Privilege Disclosures can be viewed here: Overdraft Privilege Disclosures

3: Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Cellphone Protection Guide to Benefit and IDTheft Protection Guide to Benefits and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Cellphone Protection Guide to Benefit and IDTheft Protection Guide to Benefits and/or certificate of insurance. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

4: Based on average yearly savings compared to paid credit monitoring service by Experian.

Notary Services are not available at all Texas Trust Credit Union Branches.

See our Truth in Savings disclosures: Share Accounts (Savings and Checking). You may also be interested in Savings/CDs options.