Serving Houston since 1994.

Houston Area Checking Accounts

Compare our checking accounts with others, and you’ll be surprised! Packed with perks—from Identity Theft Services, to overdraft protection and ATM surcharge reimbursements—our checking accounts fulfill all your checking needs and more!

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Get a side-by-side comparison of all checking accounts. Or, answer a few questions and find the account that fits you.

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All our checking accounts come with these free services to help you manage and maintain your account.

Mobile Deposit

Deposit checks with our mobile app.

Online Banking

Access and manage your account from your PC.

Mobile Banking

Access and manage your account from your mobile device.

Bill Pay

Manage and pay your bills via PC or mobile device.

Fraud Protection

Zero liability on unauthorized debit card charges.

Custom Designed Debit Card

Choose your debit card design.

“I feel comfortable and confident when dealing with Truity. Your employees provide excellent customer service. They make me feel like they are really focused on me and my current need or challenge of the moment; at times offering options I could consider. Thank you.”

Sandra Jamison

Compare our accounts

Accounts   Minimum Opening Deposit Minimum
to Avoid
Service Charge
Minimum to Earn Dividends Monthly ATM Surcharge Rebate² CURewards™ points earned per dollar spent with Platinum Rewards VISA® card CURewards™ points earned per dollar spent with Signature Rewards VISA® card Free Debit Card Shared Service Center Access Free Mobile Banking/Text Baning/Mobile Deposit Free Online Banking & Bill Pay Free TruityPay (Person-to-Person Payments) Free eStatements Overdraft Protection & Courtesy Pay Free Paper Statement Paper Statement Fee Free Checks Free Domestic Wire Transfers Free Cashier's Checks Free Fax Service

Simple

Apply Now $0 N/A $3

Dividend

Apply Now $0 $400 (Average Daily Balance) $0 $10.00 for out-of-network ATMs $3
Identity Apply Now $0 N/A $1,000 Average Daily Balance $10.00 for out-of-network ATMs

Advantage

Contact to Open $5,000 $5,000
(Average Daily Balance)
Tiered Dividends¹ $20.00 for out-of-network ATMs
  1. See Advantage dividend tiers.
  2. ATM surcharge reimbursements will be credited to the qualifying account at the end of each calendar month in which ten or more debit card purchases were made.
†Overdraft Protection
Available on all checking accounts in the event there are not enough funds to cover a withdrawal transaction. Overdraft coverage from a savings account will take only the amount needed to cover the transaction and a $3 fee. Overdraft coverage from an established line of credit will take only the amount needed to cover the transaction without a fee.
‡Courtesy Pay
Courtesy Pay is a non-contractual courtesy and is discretionary. Some restrictions apply. Courtesy Pay may cover overdrafts as a result of checking, ATM, ACH, debit card transactions or other withdrawals. Other, less expensive protection against overdrafts may be available to you. Ask for details.
 

Simple

Manage finances without complex requirements

Apply Now

Dividend

Earn dividends, plus other perks

Apply Now

Identity

Identity Theft Services, plus additional perks

Apply Now

Advantage

Premiere checking with the most features

Apply Now

Minimum Opening Deposit $0 $0 $0 $5,000
Minimum to Avoid Service Fee N/A

$400
(Avg. Daily
Balance)

N/A

$5,000
(Avg. Daily
Balance)

Monthly Service Charge $0 $8.00
If Average Daily Balance is less than $400.00
$3.00 $10.00
If Average Daily Balance is less than $5,000.00
Minimum to Earn Dividends $0 $1,000
Average Daily Balance
Tiered Dividends1
Monthly ATM Surcharge Reimbursements² $10 for out-of-network ATMs $10 for out-of-network ATMs $20 for out-of-network ATMs
Identity Theft Services
CURewards™ points earned per dollar spent with Platinum Rewards VISA® card
CURewards™ points earned per dollar spent with Signature Rewards VISA® card
Free Debit Card
Shared Service Center Access
Free Mobile Banking/Text Banking/Mobile Deposit
Free Online Banking & Bill Pay
Free TruityPay (Person-to-Person Payments)
Overdraft Protection & Courtesy Pay
Free eStatements
Free Paper Statement
Paper Statement Fee $3 $3
Free Checks
Free Domestic Wire Transfers
Free Cashier's Checks
  Apply Now Apply Now Apply Now Apply Now
  1. See Advantage dividend tiers.
  2. Truity ATMs are always free. Out-of-network ATM surcharge reimbursements will be credited to the qualifying account at the end of each calendar month in which ten or more debit card purchases were made.
†Overdraft Protection
Available on all checking accounts in the event there are not enough funds to cover a withdrawal transaction. Overdraft coverage from a savings account will take only the amount needed to cover the transaction and a $3 fee. Overdraft coverage from an established line of credit will take only the amount needed to cover the transaction without a fee.
‡Courtesy Pay
Courtesy Pay is a non-contractual courtesy and is discretionary. Some restrictions apply. Courtesy Pay may cover overdrafts as a result of checking, ATM, ACH, debit card transactions or other withdrawals. Other, less expensive protection against overdrafts may be available to you. Ask for details.

You're insured

Your savings federally insured by the NCUA to at least $250,000 and backed by the full faith and credit of the United States Government.

Disclosure

*Must meet the minimum requirements to open a checking account. A savings account of $25.00 is required with the opening of a checking account. Must meet the minimum requirements to open a checking account. See other service fees that apply to all accounts.

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