Texans Two Step Checking

Step into bigger rewards with exclusive benefits and higher interest rates on your linked Texans Savings account. That's the Texan Way.

Earn High Yield Interest
Get Texans’ current 3-month Standard Certificate of Deposit rate on Texans Savings account balances up to $20,000. Balances over $20,000 earn the Texans Savings rate.*
Get ATM Fees Refunded
Enjoy up to two monthly ATM fee refunds when you use an out-of-network ATM and up to two monthly ATM fee refunds when you use an international ATM.*
Early Direct Deposit
Get your paycheck up to two days sooner with direct deposit to your Two-Step Checking account.1
No Monthly Service Fee
Regular monthly service fee* of $15 is waived with a monthly direct deposit of $2,000 or more.
Additional Product Features
  • Get your new or replacement debit card instantly at all Texans branches
  • 24/7 online access to your account e-Statements
  • Your money is protected - account federally insured up to $250,000 by the NCUA
  • Overdraft services to protect your account from the unexpected
  • Compatible with Apple Pay, Google Pay, and Samsung Pay
  • Manage your money with easy online account transfers and bill pay service
  • Free Credit Connection tool featuring your credit score, report, and goals
  • Quick, simple Mobile Deposit service
  • Free credit monitoring with Dovly Uplift
  • Contactless debit cards for faster and more secure checkouts
  • Covered by Visa Zero Liability fraud protection2
  • Instant Lock/Unlock if your card is lost or misplaced
Rates and Account Guide

*When monthly direct deposit requirement is met: (a) monthly service fee will be waived; (b) two (2) Non-Texans ATM transactions fees of $7.50 each and two (2) International ATM transaction fees of $3.50 each incurred during the qualification cycle will be refunded to the Texans Two-Step Checking account on the first day of following month; and (c) balances on the Regular Savings account up to $20,000 will earn the Standard 3-month Certificate of Deposit rate. Balances over $20,000 will earn the same rate as the Regular Savings account. Direct Deposit is defined as deposits via an Automated Clearing House (ACH) originated from another financial institution (ex. payroll, social security, incoming ACH from an external account). A direct deposit does not include peer-to-peer transfers from services such as PayPal, Zelle, Cash App, or Venmo, mobile check deposits, cash loans or deposits, and any deposit which Texans Credit Union deems to not be legitimate are not considered Direct Deposits.


1Early access to your direct deposit payroll

2Cardholder must use care in protecting their card and notifying the Credit Union immediately of any unauthorized use and for additional details. Additional limitations may apply.