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Texas Trust Advice Site

Are you curious how much money you’ll save with a Texas Trust auto or home loan? Worried about saving for college? Visit our Advice site for access to interactive calculators, polls, quizzes, and articles to help build your brighter financial future.

Open Your Account

Open Your Account

Open Your Account Online

Get all the features and benefits of a Texas Trust account without stepping into a branch. By opening your account online, get access to the online and mobile features you want.

Checking + Money Market

Texas Trust provides the best checking services for members and student members, with a range of great benefits!

Checking20 is the Best Darn Checking Account You’ll Ever Have!

Built to Exceed Your Expectationstruck.png

Open Your Account

Checking20 FAQs

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.

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, lifetime3 enrollment in IDProtect for you and your entire household.

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

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

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

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.

IDProtect_Cellular.jpgCellular Phone Insurance4

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

Bonus & Discount CalculatorBonus & Discount Calculator


That's Not All...


Rewards For You

Monthly Bonuses

We’ll give you money…every month

  • $2 bonus5 every month with an active Texas Trust credit card
  • $6 bonus6 every month with any Texas Trust auto consumer loan
  • $12 bonus7 every month with a Texas Trust mortgage
  • That’s a total of $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 the 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!

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 more8.

Fill out my online form.


*Average taken from common cellular phone insurance carriers according to cnet.com.

1  Mastercard Debit Rewards program is free to all Texas Trust debit cardholders. Register on mastercardrewards.com 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 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 Checking20 account. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available it all jurisdictions. 

4 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 Benefit for terms, conditions, and exclusions of coverage.**

5 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.**

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

7 To qualify for Checking20 Bonus, a member must have an open mortgage greater than $60,000. Mortgage must stay in the service of Texas Trust at Texas Trust's discretion.**

**  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.

Fee discount table:
Fee Discounts - Max $6
Eligible Discounts
Debit Card Use:  $2.00
Paperless Statements:  $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 turn off paper statements in order to qualify for the Paperless Statements 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.

Mastercard is a registered trademark of Mastercard Incorporated.


Student Checking with Texas Trust is Free with eServices1 Plus you get:

Student Checking FAQs

Open Your Account

  • FREE Online and Mobile Banking with Mobile Deposit 
  • Personalized eAlerts sent to your email address or mobile phone
  • Over 55,000 free ATMs available
  • Debit MasterCard issued same day with designs you want plus earn cash for your school
  • No services fees and paperless statements2
  • Plus, Student Checking earns dividends3 beginning day one with dollar one.  View rates and tiers here.
  • Student-minded Overdraft Privilege4

1 Student must be between ages of 13-23. Upon turning 24 years old, account will be automatically converted to a Checking20 account.

2 Paperless Statements are required on this account. If paper statements have not been turned off within 60 days, a monthly paper statement fee of $3 will be assessed. Members under the age of 18 will be exempt from this fee.

3 Dividends are compounded monthly and paid on the first day of each month.

4 Student-minded Overdraft Privilege means Texas Trust Overdraft Privilege, with a lower tiered fee structure. An overdraft occurs when money is withdrawn or transactions (checks, debit card purchases, electronic funds transfer, etc.) are paid from a checking account and the available balance goes below zero. Overdraft Privilege is when a debit card overdraft is paid by Texas Trust on your behalf. Members must be at least 18 years of age and opt in to this service. The fee for using overdraft privilege is $10 for each transaction equal to or less than $10 and $20 for transactions greater than $10. Privilege limit is set at $100. Once transactions total $100, Overdraft Privilege may no longer be applied and debit card transactions may be denied. In the normal course of business, we generally pay electronic transactions first, and then checks in the order they are presented. The order in which transactions are posted may impact the total amount of overdraft fees or return fees assessed. You must repay or cover any overdraft within 30 days. Texas Trust pays overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. Must be 18 years of age or older to qualify for overdraft privilege.


Deluxe is our preferred check printer. Click Here to Order/Reorder Your Deluxe Checks and you will be securely transferred to their check ordering website.


See our Truth in Savings disclosures:


Share Accounts (Savings and Checking)

*APY - Annual Percentage Yield

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Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Pursuant to Texas Credit Union Department Rule 91.315, documents relating to Texas Trust's finances and management are available by calling 972.263.5171. All member service issues please call 972.263.5171. USA Patriot Act Requires IDENTITY VERIFICATION for all new accounts. Some links in this site may direct you outside of the Texas Trust Credit Union website. Texas Trust is not responsible for the content displayed on these other websites.