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Checking

Checking

At Texell, we offer checking accounts to make your life simple, including Early Payday1 with direct deposit! No matter what you’re looking for, we have an account that fits your needs, and every account comes with our BONUS Rewards Program.


With several options to choose from, our accounts check all the boxes:  

  • Visa® BONUS Debit Card with BONUS Rewards
  • Redeem your BONUS Reward Points for cash back, gift card, travel, experiences, and more!
  • With Texell's Early Payday, get paid up to 2 days early with Direct Deposit1
  • Free access to 92,000+ ATMs worldwide
  • Set up account alerts, Bill Pay, and Mobile Deposit through Digital Banking2
  • Account insured up to $500,0003
 
 

1 With Early Payday, Texell may make incoming ACH direct deposit funds available to you up to 2 days before the scheduled payment date. The early availability of direct deposits depends on the timing of submission by the payor and is not guaranteed. Some direct deposit types may be ineligible for early access at Texell’s discretion. Early availability may be impacted by fraud prevention screening and Texell may set limits on the amount of funds that may be made available to you early. 

2 Restrictions apply for Mobile Deposit.

3 Your deposits are federally insured for $250,000 and backed by the full faith and credit of the National Credit Union Administration, a U.S. Government agency. Your deposits are insured for an additional $250,000 through private insurance provided by Excess Share Insurance Corp.

Choice Checking

For a checking account with no minimums and no fees and includes all the features listed above, choose a Choice Checking account.

Details: 
  • Minimum to open: $15
  • Minimum balance: $0 
  • Monthly service fee: $0

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Choice Plus Checking

If you're looking for a checking account that earns dividends, choose a Choice Plus Checking account. You’ll receive all the features listed above, plus dividends paid quarterly:

Details: 
  • 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
0.10% $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 1/1/2025

2 You must maintain the disclosed minimum daily balance in your Account to avoid a Service Charge. If during any month your Account balance is below the required minimum, your Account will be subject to a Below Minimum Balance Service Charge for that month as set forth in the Fee Schedule.

Choice Advantage Checking

For a checking account that earns even higher dividends and extra perks, choose a Choice Advantage Checking account. You’ll receive all the features of Choice Checking, plus:

  • One free box of checks per year
  • Free cashier’s checks and incoming and outgoing wires
  • No foreign ATM fees
Details: 
  • 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

0.10%

$15

$500

$10,000

$10,000 to $24,999.99

0.15%

$15

$10,000

$10,000

$25,000 to $49,999.99

0.20%

$15

$25,000

$10,000

$50,000 or greater

0.30%

$15

$50,000

$10,000

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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 1/1/2025

2 You must maintain the disclosed minimum daily balance in your Account to avoid a Service Charge. If during any month your Account balance is below the required minimum, your Account will be subject to a Below Minimum Balance Service Charge for that month as set forth in the Fee Schedule.

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
Early payday with direct deposit1 IMAGE: Checkmark in a circle IMAGE: Checkmark in a circle IMAGE: Checkmark in a circle
Visa® Bonus Debit Card with rewards points IMAGE: Checkmark in a circle IMAGE: Checkmark in a circle IMAGE: Checkmark in a circle
Free Access to over 92,000 ATMs worldwide IMAGE: Checkmark in a circle IMAGE: Checkmark in a circle IMAGE: Checkmark in a circle
Digital Banking with free Mobile Deposit2 IMAGE: Checkmark in a circle IMAGE: Checkmark in a circle IMAGE: Checkmark in a circle
Account Alerts through Digital banking IMAGE: Checkmark in a circle IMAGE: Checkmark in a circle IMAGE: Checkmark in a circle
Transfer Protection from Savings/Credit Card IMAGE: Checkmark in a circle IMAGE: Checkmark in a circle IMAGE: Checkmark in a circle
Accounts insured up to $500,0003 IMAGE: Checkmark in a circle IMAGE: Checkmark in a circle IMAGE: Checkmark in a circle
Earn interest with Monthly Dividends
IMAGE: Checkmark in a circle IMAGE: Checkmark in a circle
Tiered Rates
One Free Box of Checks per Year

IMAGE: Checkmark in a circle
Free Cashier's Checks & Incoming/ Outgoing wires

IMAGE: Checkmark in a circle
No foreign ATM fees

IMAGE: Checkmark in a circle 
 
Other Details

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

1 With Early Payday, Texell may make incoming ACH direct deposit funds available to you up to 2 days before the scheduled payment date. The early availability of direct deposits depends on the timing of submission by the payor and is not guaranteed. Some direct deposit types may be ineligible for early access at Texell’s discretion. Early availability may be impacted by fraud prevention screening and Texell may set limits on the amount of funds that may be made available to you early. 

2 Restrictions apply for Mobile Deposit.

3 Your deposits are federally insured for $250,000 and backed by the full faith and credit of the National Credit Union Administration, a U.S. Government agency. Your deposits are insured for an additional $250,000 through private insurance provided by Excess Share Insurance Corp.







Frequently Asked Questions:


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.

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.

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.

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.

Visit Find Us on Texell.org or use the Digital Banking App. If you use the Digital Banking App, it will give you directions from your location if you enable that feature on your phone.

Registering for Digital Banking is easy. Click Login on Texell.org or tap “enroll here” from the Digital Banking Sign-in Screen. This video walks you through the simple process.

See what our digital banking can offer you!







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