Free Personal Checking | Texas Credit Union

No fees. Dividends that please.

Enjoy low fees and monthly dividends with Education First's Standard Checking Accounts. Easily manage your money with online bill payments, smartphone deposits, and overdraft protection.

Personal Checking Benefits:

Easy to Open: Start with a $25 minimum opening balance.
No Monthly Fees: Enjoy your account with no monthly service charges.
Overdraft Protection: Avoid unexpected fees with our Courtesy Pay service.
Unlimited Transactions: No limits on checks and withdrawals.
Easy Deposits: Use direct deposit or payroll deduction.
Your money is federally insured up to $250,000 by the NCUA.

Open a Checking Account

Personal Checking Account

*APY - Annual Percentage Yield. Fees could reduce earnings on this account.
Minimum to Open Account	Minimum to Earn Dividend	Dividend Rate	APY
$25	$2,000	0.05%	0.05

totalREWARDS Visa® Debit Card

Education First's Standard Checking Account comes with a totalREWARDS debit card that lets you earn points or cash backwhen you spend.

Instant Issue Debit Cards: Get a new card in minutes at any of our locations.
Mobile Wallet Ready: Add your totalREWARDS Visa® to your mobile wallet for quick and secure payments.
Versatile Spending: Use your debit card for easy ATM withdrawals and in-store purchases.
Widespread Acceptance: Shop anywhere your card’s network logo is displayed.
Smart Card Management: Manage alerts and spending limits easily with our app.