Secure Plus Checking Account
This account's cutting-edge digital banking tools let you easily access and manage your money anywhere, & you get a long list of valuable extras.
So what's the 'plus' factor in Secure Plus Checking? Great question. There's money-saving discounts, free insurance coverage, member benefits and much more.
- Minimum opening deposit of just $25
- Manage your money anytime through Online and Mobile Banking
- Health discount savings1
- $hopping RewardsTM with exclusive offers and discounts at thousands of leading online retailers1
- Identity Theft Monitoring and Resolution Services2 ,and IDProtect benefits are extended to eligible family members
- Credit report and credit score access3
- Accidental Death & Dismemberment Insurance4, 5
- Mobile phone protection4
- Buyer's protection and extended warranty5
- Withdraw cash from a network of 80,000+ surcharge-free ATMs nationwide9
- Telehealth10 consult with a medical professional from the comfort of your home with ZERO copay. Click here to learn more.
Questions? We can help.
Monday - Friday 9AM - 6PM
and Saturday 10AM - 2PM CST
Talk to a Secure Plus Checking Account Specialist
(214) 818-3231
Get a Secure Plus Checking Account consultation.
Secure Plus Checking Benefits Include
Move Money
Quickly transfer funds to and from your account, and schedule them automatically whenever you like.
Account Management
Track all of your account activity, monitor your spending, control card usage and receive alerts when your money moves.
Digital Tools
Go online or on your mobile device to pay your bills, deposit checks, move money around and more.
Electronic Statements
Save paper, save time and get up-to-date financial data when you access your monthly account statements on your computer or mobile device.
Free Debit Card
Make fast purchases anywhere Mastercard is accepted. Link your card to your smartphone for one-tap payments. Access cash through a nationwide ATM network.
Direct Deposit5
Get quicker access to your paycheck when you use Early Pay to deposit it directly into your account.
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Financial CalculatorsSecure Plus Checking Account FAQs
How much does this account cost?
Secure Plus Checking is only $10 a month.
There are no monthly fees for students age 25 and under, residents of Upshur and its surrounding counties, Allen ISD employees, and veterans and first responders.
How do I get a debit card for my checking account?
All you need to do is request a card when you open your account online and we'll mail it to you once your account is opened. Or, you can pick up a new or replacement debit card by visiting one of our branch locations or calling (214) 818-3231.
How does the insurance3 and purchase protection work?3
Just use your debit card to pay for items and services and you get an extended warranty or the extra insurance for up to a year.
Everything you need to know about Overdraft Protection and Privilege Pay
You can set up overdraft protection6 from a savings account or line of credit, and we can transfer money into your account for a fee of only $5. If you have Secure Plus, it costs only $1. But if you don't have the funds in any account, you may still be able to sign up for Privilege Pay7 for $35 per transaction.
What is Overdraft Protection?
Overdraft Protection links your checking account to another account (such as savings or a line of credit) to cover transactions if your checking account balance is too low.
Overdraft Protection links your checking account to another account (such as savings or a line of credit) to cover transactions if your checking account balance is too low.
How does Overdraft Protection work?
If you don’t have enough money in your checking account, funds are automatically transferred from your linked account to cover the transaction.
If you don’t have enough money in your checking account, funds are automatically transferred from your linked account to cover the transaction.
Is there a fee for Overdraft Protection?
Yes, overdraft protection can have a fee of $1 or $5 depending on the account you have.
Yes, overdraft protection can have a fee of $1 or $5 depending on the account you have.
What accounts can I link for Overdraft Protection?
You can link another checking account, savings account, money market account, or a line of credit.
You can link another checking account, savings account, money market account, or a line of credit.
Will Overdraft Protection cover all transactions?
It can cover checks, automatic payments, and debit card transactions, depending on your setup and available funds.
It can cover checks, automatic payments, and debit card transactions, depending on your setup and available funds.
How do I sign up for Overdraft Protection?
Visit a branch, call us, or log in to online banking to set it up. Below are the steps if you do this in your online banking portal:
Visit a branch, call us, or log in to online banking to set it up. Below are the steps if you do this in your online banking portal:
- Step 1: Log in to Online banking.
- Step 2: Click on the account you want to opt in to overdraft protection
- Step 3: Under the details, you will go down to settings
- Step 4: Click on ‘Overdraft tolerance opt in/out’
- Step 5: Select the account you want to opt into.
- Step 6: Agree to the terms and conditions
Does Overdraft Protection cost money if I don’t use it?
No, you’ll only pay if a transfer is made to cover a shortage.
No, you’ll only pay if a transfer is made to cover a shortage.
What is Privilege Pay?
Privilege Pay is an optional service that lets you overdraw your account up to $800, with a $35 fee for each transaction that overdraws the account.
Privilege Pay is an optional service that lets you overdraw your account up to $800, with a $35 fee for each transaction that overdraws the account.
How does Privilege Pay work?
If you don’t have enough money in your account, we may approve your transaction and overdraw your account up to your limit, instead of declining it.
If you don’t have enough money in your account, we may approve your transaction and overdraw your account up to your limit, instead of declining it.
What types of transactions does Privilege Pay cover?
It can cover checks, ACH payments, and recurring debit transactions. If you opt in, it can also cover everyday debit card purchases and ATM withdrawals.
It can cover checks, ACH payments, and recurring debit transactions. If you opt in, it can also cover everyday debit card purchases and ATM withdrawals.
Is there a fee for using Privilege Pay?
Yes. Each transaction that overdraws your account is charged a $35 fee.
Yes. Each transaction that overdraws your account is charged a $35 fee.
Do I have to pay back the overdrawn amount?
Yes. You’ll need to bring your account back to a positive balance within the required time frame, usually within 50 days.
Yes. You’ll need to bring your account back to a positive balance within the required time frame, usually within 50 days.
Can I opt out of Privilege Pay?
Yes. You can remove the service at any time by contacting us.
Yes. You can remove the service at any time by contacting us.
Will Privilege Pay always cover my transactions?
No. Approval is at our discretion and based on your account history and standing.
No. Approval is at our discretion and based on your account history and standing.
How do I sign up for Privilege Pay?
You must opt in. You may visit a branch or get in contact with us so we can send you supporting documents. To set up an appointment you can visit: https://www.cutx.org/schedule-an-appointment
You must opt in. You may visit a branch or get in contact with us so we can send you supporting documents. To set up an appointment you can visit: https://www.cutx.org/schedule-an-appointment
Is there a minimum balance in checking accounts?
Opening an account requires a minimum deposit of $25. Otherwise, there are no minimum balance requirements.
How do I get a checking account?
Schedule an appointment to visit one of our locations or apply online.
How do I get a direct deposit form?
You can access our direct deposit form here.
How much does it cost for a check/draft stop payment?
You can place a stop payment on a check through Digital Banking or Telephone Teller for a $35.00 fee. If you visit a branch location or call Member Services at (214) 818-3231 the fee is $35.00.
Confidently check your balances, transfer funds, pay bills, or see your statements - anytime, anywhere with Digital Banking!
Enroll now or sign in to get started.
How can I get my checking account number?
There are a few ways to get your checking account number. You can log into Online Banking, click on your checking account, and above your recent transactions you will see your 13 digit checking account number above your Current Balance. This is the information you need to provide for making payments from your checking or getting a direct deposit.
You can also get your account number from the bottom of your checks.
If neither of these methods applies to you, please contact us and we will be happy to assist you.
Can you get me a copy of my credit report?
Yes! With our Secure and Secure Plus checking accounts, you get free access to credit reports from all three major credit bureaus.
How much does it cost to cash my check if i have an account with CUTX?
If you have a checking account with us there is no charge to cash a check. If you do not have a checking account we will charge 2% of the check amount. If you have any questions please contact us.
Where are the free ATMs?
We are on 2 networks that offer free ATM services to our members. These are only for withdrawals. You can only deposit funds in an ATM at our branch locations.
- Over 55,000 free Allpoint ATMs located worldwide at popular retailers such as Walgreens, Kroger, CVS, Target, Costco and more.
- Get the Allpoint mobile app.
- Over 24,000 free MoneyPass ATMs located throughout the US and Puerto Rico.
- Get the MoneyPass mobile app.
Adding and removing joint owners.
Can a joint owner make changes or close the account without me?
Yes, a joint owner can make changes and close a checking/savings account without primary consent, but a joint owner cannot close a membership.
How can I add a new joint owner to my account?
We will need current identification for all owners and a subsequent action form needs to be completed by all account owners.
Does the joint owner need to be present to be added?
Yes, a joint owner needs to be present. If you request documentation via phone, the joint owner will need to provide their signature to be added.
Is there a credit check when I add a joint owner?
Yes, a soft credit pull is done for all members applying for a membership.
Can I add a joint owner to any type of account?
A joint owner can be added to all accounts, except for IRA ac-counts.
Will removing a joint owner affect my account history?
No, removing a joint owner will not affect any account history.
Yes, a joint owner can make changes and close a checking/savings account without primary consent, but a joint owner cannot close a membership.
How can I add a new joint owner to my account?
We will need current identification for all owners and a subsequent action form needs to be completed by all account owners.
Does the joint owner need to be present to be added?
Yes, a joint owner needs to be present. If you request documentation via phone, the joint owner will need to provide their signature to be added.
Is there a credit check when I add a joint owner?
Yes, a soft credit pull is done for all members applying for a membership.
Can I add a joint owner to any type of account?
A joint owner can be added to all accounts, except for IRA ac-counts.
Will removing a joint owner affect my account history?
No, removing a joint owner will not affect any account history.
What you need to know about beneficiaries.
What is a beneficiary?
A beneficiary on an account is the person designated to receive the funds in the account in the event of the account holder’s death. It helps ensure the money goes directly to that person without going through probate.
A beneficiary on an account is the person designated to receive the funds in the account in the event of the account holder’s death. It helps ensure the money goes directly to that person without going through probate.
Is it required to have a beneficiary on my account?
No, this is something that is optional.
How can I add a beneficiary to my account?
A subsequent action form needs to be completed and signed. We will need the beneficiary’s personal information like Name, DOB, Social Security Number (if possible), Address, Phone Number. Branch or Member Service representatives can assist with providing these forms. An appointment can be scheduled for either of these options at https://www.cutx.org/schedule-an-appointment
Can I add a minor as a beneficiary?
Yes.
Can I update a beneficiary’s information if something changes?
This is highly recommended.
Do I need to notify the beneficiary when I add them?
No, you’re not required to notify the beneficiary when you add them. However, it’s often a good idea to let them know, especially so they’re aware of your wishes and can be prepared if needed.
Will the beneficiary have access to view my account once added?
No, beneficiaries will not have any access to your account information, only in the event of the account holder passing. Supporting documentation will need to be provided before obtaining any information.
Can I open an account online or do I have to visit a branch ?
CUTX offers new membership applications via online and branch. You can schedule an appointment for the branch by visiting https://www.cutx.org/schedule-an-appointment
Steps for closing your account.
How do I close my account?
- Your account can be closed by the two methods below:
- Visit a branch or call in to speak with one of our Member Services representative. An appointment can be made for either option by visiting https://www.cutx.org/schedule-an-appointment
- Provide a written request sent via regular mail to PO BOX 7000 Allen TX 75013 or email to help@cutx.org
- The written request will need to include First and Last Name, Member Number, Request: Example: I would like to close my account, and have the remaining funds sent to (address). Wet Signature & Current Date (We don’t accept digital signatures), and an Up-dated Driver License/ID
Any direct deposits or automatic payments will be returned once the account is closed. Please ensure that you update your account information with the appropriate companies so they can process payments to the correct account.
What if I have pending transactions when I close my account?
All transactions must be posted at the time of closing. We would have to wait until all transactions have posted to be able to complete the request.
Can I close a joint account if the other person is not present?
Yes, a primary account holder can close a membership at any time.
What should I do if my account was closed due to inactivity or over-draft?
If your account was closed due to inactivity, if it was left in good standing (no negative balance) you can reapply for a new account at any time. If your account is closed due to negative balance, please contact our collections department at 214-257-2740 for further review and options.
Are you eligible for membership? See our Membership Eligibility
Why CUTX?
Great services, excellent staff.
Syed W. H.
I simply love this credit union location. My family has gotten several auto loans and personal loans there. I have been a member for over 30 years and my children have accounts also.
Laretha S.
Friendly and attentive staff. Paydays come early and the fact that they care for the little guys is definitely my favorite thing about this bank. Definitely the go-to-spot if you’re interested in growing your financial reach.
Xavier H.
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(214) 818-3231
1 Registration/activation required. Health Discount Savings is not insurance.
2 Eligibility: Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account owner who are residents of the same household.
3 You will have access to your credit report and score provided your information has been verified by the credit reporting agency (CRA). Credit score is a VantageScore 3.0 based on Transunion data. Third parties may use a different type of credit score to assess your creditworthiness. Free credit reports are available under federal law at AnnualCreditReport.com.
4 Special Program Notes: Please refer to your actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. 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.
5 Plateau Insurance Company of Crossville, TN will be the Accidental Death & Dismemberment Insurance underwriter. If you wish to name a beneficiary, a completed beneficiary form is required. If there is no designated beneficiary on file, benefits will be paid according to the Master Policy.
6 Electronic deposits are available up to 2 business days early depending on timing of receipt into our Automatic Clearing House (ACH) database. Member must be enrolled in direct deposit through their employer. Excludes International deposits.
7 An overdraft fee may be imposed for covering overdrafts created by check or electronic funds transfer, including debit card transactions and Automated Clearing House transactions. If sufficient funds are not available, then any such item presented may be returned to the payee due to non-sufficient funds and all applicable fees may be charged to your Account as set forth in the Truth-In-Savings Fee Schedule.
8 This is an optional service on eligible Checking Accounts for each membership. Eligibility is at the sole discretion of the Credit Union and is based on you managing your Checking Account in a responsible manner. This service allows us to pay, at our discretion, any withdrawal order item (whether by check, electronic funds transfer, including ATM and everyday (one-time) debit card transactions and Automated Clearing House (ACH) preauthorized transactions) if you do not have enough available funds to cover the item(s) in your Checking Account. However, if you would like to include overdrafts for ATM and everyday (one-time) debit card transactions, you are required to “opt-in” (in other words, you must provide us with your affirmative consent) to the overdraft service. If we pay overdraft items for you, we will charge your Account an overdraft fee for each overdraft, as set forth in the Truth-In-Savings Fee Schedule. With Overdraft Privilege Pay, we will generally pay your overdraft items up to a total of $800.00; however, whether your overdrafts are paid is discretionary and we reserve the right not to pay an overdraft on your Checking Account. For example, we typically do not pay overdrafts if your Account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. Accounts must be brought to a positive account balance within 30 calendar days.
9Surcharge-free ATMs are available through AllPoint and MoneyPass networks. Visit allpointnetwork.com or moneypass.com to find one near you.
10Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance. Access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors ready to help with urgent care or mental health for you and your family—all with zero copays. Registration/Activation Required.