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Bonus Checking

Bonus Checking


Bonus Checking is the only checking account that rewards you for your loyalty.

We're all about giving back at Texas Trust Credit Union. That's why for our most loyal members, Bonus Checking is loaded with generous features like identity theft protection service, credit monitoring, cell phone protection, and a debit card that rewards you.

But that's not all! With Bonus Checking, you can help support students through the Spirit Debit Rewards program and have the added bonus of knowing you're part of something bigger and better.

Open your Bonus Checking account today »



Protecting Your Identity with IDProtect5

Identity thieves are more than just a nuisance – they can cost you time and money. At Texas Trust, we've declared war on ID theft – and we've made protecting your identity a forever part of your Bonus Checking account. Identity thieves are constantly trying to steal your personal data.  

Here's what we can do to help:

IDProtect provides daily credit monitoring and allows you to follow your credit score. You'll have authorization to track your credit from all three credit agencies.

Total Identity Monitoring constantly searches for suspicious activity on your account. IDProtect scans the globe looking for unauthorized activity using your Social Security number and other personal data.

If the worst should happen and someone steals your ID, we'll provide a dedicated fraud specialist to help get you through the recovery process until your ID and credit are restored.

Cellular Phone Insurance6

Your cell costs enough as it is, so why pay high rates for phone insurance? With Bonus Checking, we'll cover the cost of a dropped or stolen phone and you can save an average of $10 that you're probably paying each month.7 Open your Bonus Checking account, and tell your cell provider that you're already covered.

To file your claim make sure to call the Benefits Administrator at (866) 210-0361 within sixty (60) days of the damage or theft. Remember: in order to receive the cellular phone insurance, you must pay your cellular phone bill with Bill Pay through your Bonus Checking account.


Total Member Bonuses as of January 31, 2020:

See what you could earn:

  • Calculate Your Bonus

  • Open an Account

  • Earn Cash for Schools

    You can help schools, and it's as simple as can be! All you have to do is use your Texas Trust Spirit Debit Card, and for every qualified purchase, we'll set aside some money for our monthly check to our partner schools.



    Monthly Service Charge AS LOW AS
    Minimum Balance $0
    Minimum to Open $25
    Checkwriting Unlimited
    Minimum Age to Open 18
    Overdraft Privilege

    Overdraft Protection

    Free ATMs3



    The following features come standard with every Texas Trust checking account:

    » Online & Mobile Banking – Make a deposit. Pay a bill (see how & test drive). Keep a low carbon footprint.

    » Mobile App – Texas Trust is always as close as your cell.

    » Overdraft Privilege – Because everybody has an “oops” now & then!

    » eStatement Paperless Statements – Think of the trees you can save!

    » Mastercard Debit Rewards2 – earn rewards that you can redeem online or in store for merchandise, gift cards, travel, and more

    » Mastercard Zero Liability4 – Didn't charge that?  No problem.  You're covered.

    » Automated Phone Banking – OK, it's not Siri, but it's cool!

    » Free Notary Service – You sign, we witness.

    » Card Controls – Lost card? Don't worry. Just freeze it.

    Debit Mastercard® Benefits

    • Airport Concierge
    • Extended Warranty
    • Global Service
    • ID Theft Protection
    • Mastercard Rewards1
    • Satisfaction Guarantee
    • Zero Liability3

    For full details and disclosures, see our Debit Mastercard® Benefits

    Mastercard® is a registered trademark of Mastercard Incorporated. Accounts opened without a SSN will not be paid dividends and will not be eligible for loans, remote/mobile deposit capture or Overdraft Privilege. Certain restrictions apply to international membership; refer to Truth in Savings disclosure for full details. Account features, benefits, and specifications are subject to change without notice.

    1 As low as $0 per month with fee discounts, otherwise $6 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.

    2 Mastercard Debit Rewards program is free to all Texas Trust debit cardholders. Register on to view and redeem points. Earn a point for every two dollars spent and redeem for merchandise, travel, gift cards, and Pay with Rewards. Click here for more details.

    3 Free ATMs include those owned by Texas Trust or are within the AllPoint™ ATM Network.

    4 Zero Liability: As a Mastercard cardholder you are not liable in the event of an unauthorized use of your U.S.-issued Mastercard card. This coverage extends to purchases made in a store, over the telephone, or online. Zero Liability is provided under the following conditions: your account is in good standing; you have exercised reasonable care in safeguarding your card; you have not reported two or more unauthorized events in the past 12 months.

    5 IDProtect service is a personal identity theft protection service available to account owner(s) and their family. Family includes: spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. Service is not available to a “signer” on the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. IDProtect services and coverage remains active with an open and active Bonus Checking account.

    6 The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. For coverage, your cell phone bill must be paid from your Bonus Checking account. For cellular protection, please refer to Guide to Benefit for terms, conditions, and exclusions of coverage.

    7 When you cancel your cell provider's insurance. Average taken from common cellular phone insurance carriers according to

    8 Credit Card is considered active and eligible for the bonus if the account is open, in good standing, and has been used to perform at least 1 transaction per month. Up to one bonus per month.

    9 Qualifying loans include personal, vehicle, boat, RV and motorcycle loans. To qualify for the Bonus, loan balance must be $10,000 or greater. Up to three bonuses per month.

    10 Mortgage Bonus will be earned when the mortgage balance was greater than $60,000 on the last day of the month and the mortgage is being serviced by Texas Trust. Up to one bonus per month.

    11 Maximum possible monthly bonus payment is $20; bonus payouts will occur monthly. All Bonus Checking bonuses will be deposited into your Bonus Checking account and cannot be disbursed by check or cash prior to being deposited into your Bonus Checking account. You could receive an IRS form 1099 for Bonus Checking bonuses deposited into your Bonus Checking account.

    12 Pursuant to Texas Law.

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

    Serving Dallas, Denton, Ellis, Henderson, Johnson, Tarrant, and Tom Green Counties with branches in Arlington, Athens, Bedford, Cedar Hill, Flower Mound, Grand Prairie, Hurst, Irving, Mansfield, Midlothian, and San Angelo

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