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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.

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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.

Student Checking

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

Student Checking FAQs

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  • 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 with 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 An overdraft occurs when money is withdrawn or transactions (checks, debit card purchases, electronic funds transfer, etc.)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.


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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.