Student Checking

So you're starting to manage your own money. No worries. We can provide all the necessary tools to help you learn the ropes with this free student checking account.
Smart Branch

Our Student Checking is designed with your generation in mind. Lots of time-saving tech, a free debit/ATM card and plenty of other perks.


  • Set up recurring transfers to keep feeding your savings account
  • Use our app to deposit checks, move money and more
  • Set up spending alerts so you know where your money goes5
  • Make a budget online and track all your progress
  • Withdraw cash through a network of 80,000+ fee-free ATMs nationwide*
  • No monthly service fee for students.
  • Identity and theft monitoring services1
  • Credit report and credit score access2
  • Mobile phone protection3
  • Buyer's protection and extended warranty3

Questions? We can help.

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



Talk to an Account Specialist
972-263-9497




Schedule an appointment


Get a personalized consultation.



Exclusive Benefits Include


Are you eligible for membership? See our Membership Eligibility

Online & Mobile Banking

Manage your finances 24/7. Check balances, pay bills in minutes and deposit checks from anywhere.

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.

Get Alerts5

Sign up for electronic notifications that let you know about low balances and other important account activity.

No Fees, No Kidding

Keep more money for yourself and your plans. There are no monthly fees here slowing you down.

Financial Education

Learning doesn't stop in the classroom. Get free access to our videos, articles and events to help you do more with your money.

Check out our account options.

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Get a good look at where you are and where you're going next.

Financial Calculators

General Checking FAQs


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. But 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.

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.

Why CUTX?

The stuff, loan team and customer service were very helpful throughout my car loan process. Credit Union of Texas was able to offer me the best rate available for my vehicle. I would highly recommended CUTX to all of my friends and family.
Abebe A.
Never a issue always friendly and as you walk in the gentleman at the door greets you with awesome customer service. Always on point.
Mr. C.
Great folks to work with and great rates! We saved a ton on our auto loans! Thanks, CUTX!
Russell V.

We're Here To Help

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We have several convenient locations in North Texas. Come see us!

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Ready to open your account?

Open online now or get started if you need assistance with account opening.

*Surcharge-free ATMs are available through AllPoint and MoneyPass networks. Visit allpointnetwork.com or moneypass.com to ­find one near you.

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.

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 Plateau Insurance Company of Crossville, TN will be the Accidental Death & Dismemberment Insurance underwriter. If you wish to name a beneficiary, a completed beneficiary form is required. If there is no designated beneficiary on file, benefits will be paid according to the Master Policy.

5 Message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile carrier’s coverage.

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.