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Bonus Checking

Bonus Checking


Bonus Checking is the only checking account with built-in benefits to keep you financially savvy.

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 overdraft forgiveness.

Open your bonus checking account today


Overdraft Forgiveness1

Gain 4 no-fee Overdraft Privileges per year!

Protecting Your Identity with IDProtect2

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.

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.

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.

Credit Monitoring grants you access to credit reports and credit scores. Daily credit file monitoring and automated alerts of key changes to your credit reports.

Cellular Phone Protection2

Covers up to four phones listed on the cellular telephone bill

Covers damage or theft

Up to two claims and maximum of $1,000 per twelve month period

Up to $800 per claim

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 your Bonus Checking account, or other Texas Trust account.

Telehealth Access*

Access to board-certified licensed and credentialed doctors for urgent care needs with a zero copay.

*Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.

  • Open a Bonus Checking Account

  • That's not all!

    These powerful features come standard with your Bonus Checking account:


    Get 2 Months Free6
    with no monthly service fees

    Experience the all new Bonus Checking AND get your first 2 months with NO monthly service charge.

    Open your Bonus Checking account




    Feature Detail
    Monthly Service Charge As low as $0* Otherwise $10
    Minimum Balance $0
    Minimum to Open $25
    Check writing Unlimited
    Minimum Age to Open 18
    Overdraft Privilege

    Overdraft Protection

    Free ATMs4



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

    » Online & Mobile Banking – Make a deposit. Pay a bill. 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!

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

  • Open a Bonus Checking Account


    Get access to all of your benefits by logging in or registering through our Bonus Checking Portal!

    *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

    1: 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. Federally insured by NCUA. Membership required.

    2: 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 Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit 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.

    3: Free ATMs include those owned by Texas Trust or that are within the Allpoint™ ATM Network

    4: 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.

    5: 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.

    6: Free trial is only available for new Texas Trust Bonus Checking Accounts. Existing Bonus Checking accounts are not eligible. “2 Months Free” offer refers to free 60 day trial. Trial expires 60 days after date of account opening. A monthly fee of $10 (minus eligible discounts) will be applied after the trial period ends. Fees will be assessed on the last business day of every month. Free trial limited to one Bonus Checking account per SSN.

    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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