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Checking 20

Important Notice Regarding Checking20

The “Paperless Statement” fee discount is being replaced with an “Online Communication & Banking” discount. To qualify, simply accept the “Online Service E-Sign Disclosure and Consent” form when prompted in Online or Mobile Banking by August 31.

As of September 1, Checking20 will become Bonus Checking and the following changes will be made to the bonus structure:

  • The $2 Credit Card Bonus will be earned when your Texas Trust credit card is in good standing and was used to perform a purchase transaction during the statement month.
  • Up to three $6 Consumer Loan Bonuses may be earned each month. Each will be earned when the qualifying loan balance was greater than $10,000 on the last day of the month; qualifying loans include personal (signature), vehicle, boat, RV, and motorcycle loans.
  • A $12 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.

The maximum possible monthly bonus payment will remain $20.

Checking20 is the Best Darn Checking Account You’ll Ever Have!
Built to Exceed Your Expectations.

You get the standard features you already expect:

  • Online and Mobile Banking
  • Mobile App
  • Online and Mobile Deposit
  • Online and Mobile Bill Pay
  • Overdraft Privilege
  • eStatement Paperless Statements
  • Mastercard® Debit Card with Debit Rewards1
  • Unlimited Free Use of 55,000+ ATMs
  • Mastercard Zero Liability2
  • Automated Phone Banking
  • Free Notary Service
  • Easy Online Check Reordering

Plus, you'll get more – and you won’t get this stuff with any other checking account.

Monthly Bonuses

We'll give you money...every month

  • $2 bonus3 with an active Texas Trust credit card
  • $6 bonus4 with a Texas Trust consumer loan
  • $12 bonus5 with a Texas Trust mortgage
  • That’s potentially $20 every month** and $240 every year – tax free

Rewards Debit Card

Manage My Rewards

Your Mastercard® Debit Card automatically comes with Debit Rewards1. Earn a point for every two dollars spent and redeem for merchandise, travel, gift cards, and Mastercard® Pay with Rewards.

Rewards For Our Local Schools

We give money to participating school districts when you use a Texas Trust Spirit Debit Card. Ten cents from every swipe of a Spirit Debit Card goes to the participating school or school districts featured on the Spirit Card. And every month, a check is written for that school.

To date, over a Million Dollars has been donated to local schools!

Cellular Phone Insurance6

  • Protect up to three devices
  • Get reimbursed for damage or theft
  • Save an average of $8.54* each month in premiums

Identity Protection

Being a victim of ID fraud can be frightening, frustrating, and costly. It can strike anyone, at anytime. It’s time to declare war against ID thieves, and Texas Trust wants to be your ally. As part of the Best Darn Checking Account Ever, get free, lifetime7 enrollment in IDProtect for you and your entire household.

“What is IDProtect, and how does it help me?”

You're In Control

You’re In Control

Knowledge is power. With 24/7 access to your credit score and all three credit bureau reports, you know exactly what is being reported. If you see something that doesn’t belong, report it and IDProtect does the research for you and helps you recover.

Peace of Mind

Peace of Mind

You get Total Identity Monitoring that looks at more than just your credit report for suspicious activity. Some databases being scanned include utilities records, driver’s license bureaus, birth records, property information, and so much more. You can rest knowing that we’re scanning the globe, continually looking for unauthorized activity using your social security number and personal information.

Dedicated Partnership

Dedicated Partnership

Sometimes it happens. If you should fall victim to fraud or ID theft, you’re not on your own. IDProtect provides you with a dedicated fraud specialist who walks with you through the entire recovery process – until your credit and identity are restored.

All of This?

You get all of this with your Best Darn Checking Account Ever. Best of all, you are in control of your monthly service fee. It starts at $6 and can be as low as $0 by doing the things you already do, like using your debit card, paying bills through Bill Pay, turning off paper statements, having direct deposit, and more.

Open Your Account Checking20 FAQs

1 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.

2 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.

3 A Credit Card is considered active and eligible for the bonus if the account is open, in good standing and has been used to perform a transaction.**

4 Qualifying loans include Personal, Vehicle, Boat, RV, and Motorcycle loans. To qualify for the Bonus, the combined active loan origination amount must total $25,000 or more.**

5 To qualify for Checking20 Bonus, the mortgage origination amount must be greater than $60,000.**

** Maximum possible monthly bonus payment is $20; bonus payouts will occur monthly. Checking20 Bonuses cannot be earned more than once per month for any qualifying product type, even if two qualifying products of the same type exist. All Checking20 Bonuses will be deposited into your Checking20 account and cannot be dispersed by check or cash prior to being deposited into your Checking20 account. You could receive an IRS form 1099 for Checking20 Bonuses deposited into your Checking20 account.

Discount Type Amount
Fee Discounts Max $6
Eligible Discounts
Debit Card Use: $2.00
Online Communication and Banking Fee Discount: $2.00
Senior 55+: $2.00
Public Servant: $2.00
Bill Pay Use: $1.00
Membership 5+ years: $1.00
Direct Deposit: $1.00

Active Debit Card is 10 non-ATM Point-of-Sale transactions per month totaling at least $100. A member must be actively enrolled in Online Communication and Banking in order to qualify for the Online Communication and Banking Fee discount. A Primary Member who is 55 years or better begins receiving this discount in the month of their 55th birthday. 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 Usage is paying three or more bills through Texas Trust's Online Bill Pay in the previous month. 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. A Direct Deposit or Mobile Deposit (or any combination of the two) totaling $500 or more per month is required to earn this discount. Membership required.

6 Average taken from common cellular phone insurance carriers according to

7 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 remain active with an open and active Checking20 account. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

8 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 Checking20 account. For cellular protection, please refer to Guide to Benefits for terms, conditions, and exclusions of coverage.

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

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