Secure Checking Account

This high-performance checking account protects your finances while offering easy access to digital tools to help you manage your money anytime, anywhere.

Get the account that meets your needs with unlimited digital banking, a free Mastercard debit card,  generous member benefits and more.

  • Minimum opening deposit of just $25
  • Access your money at 80,000+ surcharge-free ATMs nationwide5
  • Identity Theft Monitoring and Resolution Services1
  • Credit report and credit score access2
  • Mobile phone protection3
  • Buyer's protection and extended warranty3

To enroll in these great benefits, simply click Secure Benefits in online banking.

Questions? We can help.

Monday - Friday 9AM - 6PM
and Saturday 10AM - 2PM CT

Talk to an Account Specialist

Schedule an appointment

Get a personalized consultation.

Are you eligible for membership? See our Membership Eligibility

Exclusive Benefits Include

Move Money

Quickly transfer funds to and from your account, and schedule them automatically whenever you like.

Account Management

Track all of your account activity, monitor your spending, control card usage and receive alerts when your money moves.

Digital Tools

Go online or on your mobile device to pay your bills, deposit checks, move money around and more.

Electronic Statements

Save paper, save time and get up-to-date financial data when you access your monthly account statements on your computer or mobile device.

Free Debit Card

Make fast purchases anywhere Mastercard is accepted. Link your card to your smartphone for one-tap payments. Access cash through a nationwide ATM network.

Direct Deposit4

Get quicker access to your paycheck when you use Early Pay to deposit it directly into your account.

View all checking account options.

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Secure Checking FAQs

Secure Checking costs only $6 a month for all the extras. 

There are no monthly fees for students age 25 and under, residents of Upshur and its surrounding counties, Allen ISD employees, and veterans and first responders. 

All you need to do is request a card when you open your account online and we'll mail it to you once your account is opened. Or, you can pick up a new or replacement debit card by visiting one of our branch locations or calling 972-263-9497.

Just use your debit card to pay for items and services and you get an extended warranty or the extra insurance for up to a year.

Absolutely! You can set up overdraft protection6 from a savings account or line of credit, and we can transfer money into your account for a fee of only $5. If you have Secure Plus, it costs only $1. If you don't have the funds in any account, you may still be able to sign up for Privilege Pay7 for $35 per transaction.

Opening an account requires a minimum deposit of $25. Otherwise, there are no minimum balance requirements.

Schedule an appointment to visit one of our locations or apply online. We'll make sure you understand what a secure checking account is & help you sign up for your safe checking account.

You can access our direct deposit form here.

You can place a stop payment on a check through Digital Banking or Telephone Teller for a $35.00 fee. If you visit a branch location or call Member Services at 972-263-9497 the fee is $35.00.

Confidently check your balances, transfer funds, pay bills, or see your statements - anytime, anywhere with Digital Banking!

Enroll now or sign in to get started.

There are a few ways to get your checking account number. You can log into Online Banking, click on your checking account, and above your recent transactions you will see your 13 digit checking account number above your Current Balance. This is the information you need to provide for making payments from your checking or getting a direct deposit.

You can also get your account number from the bottom of your checks.

If neither of these methods applies to you, please contact us and we will be happy to assist you.

Yes! With our Secure and Secure Plus checking accounts, you get free access to credit reports from all three major credit bureaus.


Great folks to work with and great rates! We saved a ton on our auto loans! Thanks, CUTX!
Russell V.
I always feel like I’ve been given the best advice for me and my family. They really do put their members first.
Sonya M.
I’ve been a member for almost 30 years, I can’t imagine banking anywhere else. You’re more than another account at CUTX, you’re a member, you’re a family.
Elsa H.

Helpful Documents

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* Registration/activation required. Health Discount Savings is not insurance.

1 Eligibility: Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account owner who are residents of the same household.

2 You will have access to your credit report and score provided your information has been verified by the credit reporting agency (CRA). Credit score is a VantageScore 3.0 based on Transunion data. Third parties may use a different type of credit score to assess your creditworthiness. Free credit reports are available under federal law at 

3 Special Program Notes: Please refer to your actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

4 Electronic deposits are available up to 2 business days early depending on timing of receipt into our Automatic Clearing House (ACH) database.  Member must be enrolled in direct deposit through their employer. Excludes International deposits.

5Surcharge-free ATMs are available through AllPoint and MoneyPass networks. Visit or to find one near you.

6 An overdraft fee may be imposed for covering overdrafts created by check or electronic funds transfer, including debit card transactions and Automated Clearing House transactions. If sufficient funds are not available, then any such item presented may be returned to the payee due to non-sufficient funds and all applicable fees may be charged to your Account as set forth in the Truth-In-Savings Fee Schedule.

7 This is an optional service on eligible Checking Accounts for each membership. Eligibility is at the sole discretion of the Credit Union and is based on you managing your Checking Account in a responsible manner. This service allows us to pay, at our discretion, any withdrawal order item (whether by check, electronic funds transfer, including ATM and everyday (one-time) debit card transactions and Automated Clearing House (ACH) preauthorized transactions) if you do not have enough available funds to cover the item(s) in your Checking Account. However, if you would like to include overdrafts for ATM and everyday (one-time) debit card transactions, you are required to “opt-in” (in other words, you must provide us with your affirmative consent) to the overdraft service. If we pay overdraft items for you, we will charge your Account an overdraft fee for each overdraft, as set forth in the Truth-In-Savings Fee Schedule. With Overdraft Privilege Pay, we will generally pay your overdraft items up to a total of $800.00; however, whether your overdrafts are paid is discretionary and we reserve the right not to pay an overdraft on your Checking Account. For example, we typically do not pay overdrafts if your Account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. Accounts must be brought to a positive account balance within 30 calendar days.