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Overview
Rates
Features
Convenience
Earn 56 times the national average rate of return with High Yield Checking. Why earn less when you can earn more? Put your money to work for you and enjoy ATM fee refunds and no minimum balance requirement, while you’re at it.
Introducing a checking account that pays you money — now, that’s impressive!
%
APY50
On qualifying balances $0.00 - $20,000
Qualifying balances over $20,000
Non-qualifying balances
It only takes two simple steps to qualify for higher dividends and ATM fee refunds – and you’re probably already doing them:
Have at least one direct deposit of $500 or more.
Make at least 12 debit card purchases that post and clear.
If you don’t meet the monthly account requirements listed above or maintain an average daily balance of at least $1,000, a monthly fee of $4.95 will be assessed.
Earn high dividends on qualifying balances.5
Receive up to $12 in ATM refunds each month.5
Make secure purchases worldwide and everywhere Visa’s accepted.
View your statements easily online with free eStatements.4
Bank on your own schedule (and avoid Houston traffic) with 24/7 access to check your balances, make transfers, pay bills, and more.
Learn More
Use our app to access your account and even deposit checks with your smartphone or tablet — it’s just a tap away!
Enjoy coast-to-coast access at over 5,000 credit union branches and nearly 30,000 free ATMs nationwide. That's Texas-sized access.34
We know things don’t always go as planned. That's why your account gives you two ways to help you avoid overdrafts. You can create an extra line of defense for your account, by linking it to a savings account or line of credit.7 Plus, you can receive additional coverage with Courtesy Pay.8 If you accidentally overdraw your account, our two overdraft protections options will have you covered.
[50] High Yield Checking - Dividends: APY = Annual Percentage Yield. APYs and terms are accurate as of 7/23/2018 and may change after account is opened. Higher dividends are paid each month when the following monthly requirements are met: must have at least one direct deposit with a minimum of $500 and have at least 12 debit card purchases. A monthly fee of $4.95 will be assessed if the monthly qualifications are not met or an average daily balance of at least $1,000 is not maintained. Fees may reduce earnings.
[5] High Yield Checking: Higher dividends are paid and ATM fees are refunded each month when the following monthly requirements are met: must have at least one direct deposit with a minimum of $500 and have at least 12 debit card purchases. ATM fees are refunded up to $4 per transaction not to exceed a cumulative limit of $12 per month. A monthly fee of $4.95 will be assessed if these monthly qualifications are not met or an average daily balance of at least $1,000 is not maintained. Fees may reduce earnings.
[4] Paper Statement Fee: A recurring fee will apply if you choose to receive an account statement in paper form; refer to the Fee Schedule for details. To avoid the paper statement fee, log in to Online Banking to change your statement preference to eStatements.
[34] CO-OP Shared Branching: Account access at CO-OP shared branches is available after 45 days of membership.
[7] Overdraft Transfer Fee: A fee of $5.00 is assessed for each automated transfer from a savings or line of credit to cover an overdraft; refer to the Fee Schedule for details.
[8] Courtesy Pay: Courtesy Pay is subject to a 30 day waiting period for new accounts and member must meet Courtesy Pay Qualifications. Opting into Courtesy Pay covers checks and ACH transactions plus one-time debit and ATM transactions. Transactions exceeding your established limit (and other types of transactions) will not be covered. After 20 days negative, any remaining Courtesy Pay limit will not be accessible and the full negative account balance must be repaid within 30 days. Fee charge of up to $30 for each time First Service pays an overdraft.
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