Bonus Checking: Protect more than just your money

Identity Protection | Telehealth Access | Cellular Phone Protection

Money Magazine Best Credit Union in Texas 2023/2024

Group of young multiracial business people are working in modern office.

Checking for your wealth, health, and you

You deserve a checking account that gives back. That's why when you subscribe to Bonus Checking you get generous features like identity theft protection (up to $1 Million), credit monitoring, cell phone protection (up to $800), and overdraft forgiveness ($120 value).

Get 2 Months Free¹

  • No monthly service fees for your first 60 days - Regularly $10/month

  • Eligible for new Bonus Checking accounts only¹

Benefits of Bonus Checking

  • 4 no-fee Overdraft Privileges per year² ($120 value)

    With Overdraft Forgiveness, you get 4 no-fee overdrafts per year so you can spend money on what matters to you and less on fees.

  • Identity Protection with IDProtect (Coverage up to $1 Million)

    Monitors more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more.

  • Cellular Phone Protection³ (up to $800)

    Get free cell phone protection for up to four phones on your telephone bill which saves you money and gives you protection. Covers damages and theft.

  • Telehealth Access³ (No Copay!)

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

Father and children  playing in front yard

$10 monthly service OR as low as $0 if the following criteria is met*:

Save $2: Enroll in Online Banking

Save $2: Actively use your Debit Card

Save $2: Senior - Age 55+

Save $2: Public Servant

Save $1: Active Bill Pay Usage

Save $1: 5+ years of Texas Trust membership

Save $1: Direct Deposit of $500 or more each month

Features that come standard with every checking account

Free ATM Network⁴

Free ATM Network

Debit Mastercard Benefits

Debit Rewards

Debit Card Controls

Card Controls Logo

Overdraft Privilege

Overdraft Privilege

Other great features

  • eStatements
  • Online & Mobile Banking
  • Direct Deposit
  • Free Notary Service at select branches
  • Debit Mastercard Benefits


Already a member with Bonus Checking?

Sign in to the Bonus Checking Portal to access your great benefits:
Sign In Here

New to Bonus Checking? Enroll your new account here:
Sign Up Here

Bonus Checking

"We picked Texas Trust Credit Union for the added value customers can get with its Bonus Checking account, including free telehealth. Bonus Checking from Texas Trust also offers identity theft protection, cell phone protection, overdraft forgiveness, a large ATM network and the convenience of mobile banking." -

More checking account options

*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: 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.

2: 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. Overdraft Privilege Disclosures can be viewed here: Overdraft Privilege Disclosures

3: 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.

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

Notary Services are not available at all Texas Trust Credit Union Branches.

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