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Easy Checking

Easy Checking

Looking for free checking? We've got it.


Life’s complicated. Your checking account doesn’t have to be.

Simple can be a very good thing. Sometimes the best option is the most straight-forward one. That’s why Easy Checking is, well, easy. It’s free and offers everything you need and nothing you don’t. 



It’s Free

There’s no need to worry about how many checks you write or transactions you make. With Easy Checking, it’s your choice – and there’s never a monthly charge.

Earn Dividends

With an average daily balance of just $1,000, you’ll earn cash – and we’ll add it to your account each month. See how easy it is?

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


Monthly Service Charge $0 - When we say free checking, we mean it!
Minimum Balance $0
Minimum to Open $25
Checkwriting Unlimited
Minimum Age to Open 18
Overdraft Privilege
Overdraft Protection
Free ATMs2



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!

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

» Free Notary Service4 – You sign, we witness.

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

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. Refer to Truth in Savings disclosure for full details on dividend rates and the restrictions applied to international membership. Account features, benefits, and specifications are subject to change without notice.

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. Click here for more details.

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

3 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. For full details and disclosures, see Mastercard Zero Liability

4 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, Dallas, Desoto, Flower Mound, Grand Prairie, Hurst, Irving, Mansfield, Midlothian, and San Angelo

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