Texas Federal Credit Union

Sharedraft/Checking Accounts

Convenience and flexibility for your daily financial needs. Texas Federal has five different checking options to choose from when selecting an account to meet your needs. If you are looking for Free bill pay, no monthly fee, or an account with higher dividend rates you have a selection to choose from at your credit union.

All accounts offer unlimited transactions, with all activity detailed on a monthly statement. There are no minimum balance requirements and the initial deposit for each type of account is $25.00. Service fees vary and are based on the type of account you choose and your monthly low balance. All checking accounts include a free VISA Check Card, N.E.T. and i-N.E.T. access, and free E-Pay.

Dividends/interest is calculated on your daily balances greater than $500

Primary Checking
$2,000 AD&D Insurance
VISA Check Card
The N.E.T. and i-N.E.T. access
FREE E-Pay
No Monthly Fee
Select Member Checking
$10,000 AD&D Insurance*
VISA Check Card
The N.E.T. and i-N.E.T. access
FREE E-Pay
$5 Service Fee
Premium Member Checking
$15,000 AD&D Insurance*
VISA Check Card
The N.E.T. and i-N.E.T. access
FREE E-Pay
Dividends paid based on balance
$7.50 Service fee if balance is greater than $500, otherwise it will be a $10 service fee.
Optimum Member Checking
$20,000 AD&DInsurance*
VISA Check Card
The N.E.T. and i-N.E.T. access
FREE E-Pay
Dividends paid based on balance
%.25 Higher Dividends paid
$10 service fee if balance is greater than $1,000, otherwise it will be a $15 service fee.
Millennium Member Checking
$30,000 AD&D Insurance*
VISA Check Card
The N.E.T. and i-N.E.T. access
FREE E-Pay
Dividends paid based on balance
1st order of checks free
3 Free Cashiers Checks per month
No service fee if balance is over $1,000, otherwise it will be a $10 service fee.

Passport Privilege
It is easy to make an honest mistake in your checkbook and for those times Texas Federal Credit Union had an added measure of protection for your account. Instead of returning an item to a merchant for insufficient funds, TFCU may pay the item saving you additional charges from the merchant, in addition to fees from the Credit Union. There are no applications or additional signatures necessary to apply. Passport Privilege is in effect for all members in good standing.

VISA Check Card
With the Texas Federal VISA Check Card in your wallet, you can leave your checkbook at home! Enjoy the ease and convenience of a credit card, without the interest. Purchases are automatically deducted from your Texas Federal sharedraft/checking account! VISA Check Card, the card that carries the world-wide acceptance of VISA and access to your money at ATMs around the world.