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Get $250!**
Take advantage of this special limited time offer! Get up to $250 when you open a Secure or Secure Plus checking account with direct deposit.
You can call me to complete your application over the phone or I can help you schedule an appointment at our nearest branch location and simply bring in this coupon to redeem your discount.
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General Checking FAQs
How much does this account cost?
Secure Checking costs only $6 a month for all the extras and there are no monthly fees for students age 25 and under.
Secure Plus Checking is only $10 a month and there no monthly fees for veterans.
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 insurance* and purchase protection work?*
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.
Do your checking accounts offer overdraft protection?
Absolutely! You can set up overdraft protection2 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 Pay3 for $35 per transaction.
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!
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.
Why CUTX?
* Registration/activation required. Health Discount Savings is not insurance.
** Bonus: Restrictions may apply. Matching deposit bonus offer is only valid on Secure Plus Checking. Coupon must be presented at account opening. This offer is valid on new checking accounts only and not in combination with other offers. To receive the $250 checking deposit match bonus: 1) Open a Secure Plus Checking account, which is subject to approval. 2)Deposit a minimum of $25 at account opening. 3) Have a direct deposit of at least $600 a month deposited to the account within 60 days of account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as social security) from your employer or the government. Matching deposit bonus amount will be determined by the initial deposit made when opening the new checking account and will not exceed $250. All above requirements must be met within 60 days of opening the account. You will receive the bonus match as a credit to your new checking account within 40 business days once all requirements are met. The account must not have a negative balance to receive the cash bonus. Checking account with direct deposit must remain open for a minimum of six months or matching deposit bonus may be debited from account at closing. Offer ends without notice. Registration and activation are required to access benefits. Service Fee: Secure Checking Plus has no monthly fee for veterans and first responders , otherwise a $10 monthly fee will apply. Matching deposit bonus is considered interest and is re-portable on IRS form 1099-INT. Membership required.
1 Message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile carrier’s coverage.
2 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.
3 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.