

Checking
All Texell checking accounts come with these features:
- Visa® BONUS Debit Card with BONUS Rewards
- Redeem your BONUS Reward Points for cash back, gift card, travel, experiences, and more!
- Free access to over 92,000 ATMs worldwide
- Transfer protection from Savings Account or Credit Card
- Account insured up to $500,000¹
Choice Checking
For a checking account with no minimums and no fees that includes all the features listed above, choose a Choice Checking account.
- Minimum to open: $15
- Minimum balance: $0
- Monthly service fee: Free!
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Choice Plus Checking
Looking for one that earns dividends? Choose a Choice Plus Checking account:
You’ll receive all the features listed above, plus you’ll earn dividends.
- Minimum to open: $15
- Minimum balance: $0
- Monthly service fee: $5.50 – Waived with $500 minimum daily average balance
- Dividends: Paid quarterly with $500 minimum average daily balance
Prospective Annual Percentage Yield | Minimum to Open | Minimum Daily Balance to Earn Dividends1 | Minimum to Avoid Service Charge2 |
---|---|---|---|
0.05% | $15 | $500 | $500 |
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1 You must maintain the disclosed minimum daily balance in your Account to obtain the disclosed Annual Percentage Yield. You will not earn dividends on any day your Account balance is below the required minimum daily balance. Rates effective 8/3/2022
Choice Advantage Checking
How about an account that earns higher dividends and extra perks? You’ll receive all the features listed above, plus:
- One free box of checks per year
- Free cashier’s checks and incoming and outgoing wires
- No foreign ATM fees
- Minimum to open: $15
- Minimum balance: $0
- Monthly service fee: $15 — Waived with $10,000 minimum daily average balance
- Dividends: Paid quarterly with $500 minimum daily average balance
Balance Tier | Prospective Annual Percentage Yield | Minimum to Open | Minimum Daily Balance to Earn Dividends1 | Minimum to Avoid Service Charge2 |
$500 to $9,999.99 |
0.05% |
$15 |
$500 |
$10,000 |
$10,000 to $24,999.99 |
0.10% |
$15 |
$10,000 |
$10,000 |
$25,000 to $49,999.99 |
0.15% |
$15 |
$25,000 |
$10,000 |
$50,000 or greater |
0.25% |
$15 |
$50,000 |
$10,000 |
1 You must maintain the disclosed minimum daily balance in your Account to obtain the disclosed Annual Percentage Yield. You will not earn dividends on any day your Account balance is below the required minimum daily balance. Rates effective 8/3/2022
Comparison of Checking Account Features
Features | Choice Checking | Choice Plus Checking | Choice Advantage Checking |
---|---|---|---|
Recommended for | Members who want a checking account without having to worry about any monthly fees | Members who want to earn dividends with a low minimum balance requirement | Members who want to earn higher dividends and enjoy some extra perks |
Visa® Bonus Debit Card with rewards points | ![]() |
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Free Access to over 92,000 ATMs worldwide | ![]() |
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Free e-Branch Home Banking & Bill Pay | ![]() |
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Mobile Banking with Mobile Deposit | ![]() |
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Account Alerts through e-Branch | ![]() |
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Transfer Protection from Savings/Credit Card | ![]() |
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Interest Earning with Monthly Dividends | ![]() |
![]() Tiered Rates |
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One Free Box of Checks per Year | ![]() |
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Free Cashier's Checks & Incoming/ Outgoing wires | ![]() |
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No foreign ATM fees | ![]() |
Features | Choice Checking | Choice Plus Checking | Choice Advantage Checking |
Monthly Service Fee | $0 | $5.50 Waived with minimum balance of $500 |
$15.00 Waived with minimum balance of $10,000 |
Minimum to Open | $15 | $15 | $15 |
Minimum Daily Balance to Waive Fee | $500 | $10,000 | |
Minimum to Earn Dividends | $500 | $500 |
Frequently Asked Questions:
How much does it cost to open an account?
It only takes $15 to open any checking account, and you will have immediate access to your funds. Open an account now.
If you are not already a member of Texell, you will also open a Savings Account. Your Savings Account is your membership in Texell and secures all the benefits of Texell membership. The is a one-time $5 membership fee and a $5 minimum deposit for your savings account.
How long does it take to open an account?
If you open your account online, it takes less than four minutes! If you open your account in a branch, the process is quick and straightforward. We recommend scheduling an appointment to avoid a wait.
What forms of identification should I bring with me?
If you open your account in one of our branches, you’ll need to bring two forms of ID to open an account, such as a birth certificate, Social Security card, school or state ID, or Passport. If you open your account online, we will verify your identity digitally before your account is finalized.
When will I receive my debit card?
If you open your account in a branch, you will receive your card when you open your checking account. If you open your checking account online, you’ll typically receive your card within ten days through the mail.
How do I find a Branch or an ATM?
Visit Find Us on Texell.org or use the Mobile App. If you use the Mobile App, it will give you directions from your location if you enable that feature on your phone.
How do I get started with e-Branch and the Mobile App?
Registering for Digital Banking is easy. Click Login on Texell.org or tap “enroll here” from the Mobile Banking Sign-in Screen. This video walks you through the simple process.
See what our digital banking can offer you!