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Checking

Texasgulf FCU offers two different types of checking accounts, Share Draft and Free Checking. Please compare the two to find out which one is best suited to your financial needs.

Share Draft

Amount to Open $100.00
Earns Dividend Yes, balances over $400.00
Monthly Service Fee $4.00 if balance falls below $400.00
Minimum Balance $400.00

Free Features:

  • 1st Box of Checks
  • Debit Card
  • Internet Branch
  • Mobile Branch
  • Bill Pay
  • Check Images (online only)
  • Overdraft transfers from Shares
  • Automated Phone Account Access
  • Shared Branch Account Access
  • Shared Branch Live Help by Phone

Fees:

  • Non-Texasgulf FCU ATM $ 1.001
  • Copy of Statement $ 2.00
  • Copy of Check/Draft $ 2.002
  • Monthly Service Fee $ 4.003
  • Replace Debit or ATM card $ 5.00
  • Customized Debit card $ 5.00
  • Stop Payment $20.004
  • Non-Sufficient Funds (NSF) $20.005
  • Returned Deposited Item $20.005
  • Courtesy Pay $20.005
  • Account Research/Reconciling$20.006

Free Checking

Amount to Open $100.00
Earns Dividend No
Monthly Service Fee None
Minimum Balance None

Free Features:

  • 1st box of checks
  • Debit Card
  • Internet Branch
  • Mobile Branch
  • Bill Pay
  • Check Images (online only)
  • Overdraft transfers from Shares
  • Automated Phone Account Access
  • Shared Branch Account Access
  • Shared Branch Live Help by Phone

Fees:

  • Non-Texasgulf FCU ATM $ 1.001
  • Copy of Statement $ 2.00
  • Copy of Check/Draft $ 2.002
  • Replace Debit or ATM card $ 5.00
  • Customized Debit card $ 5.00
  • Stop Payment $20.004
  • Non-Sufficient Funds (NSF) $20.005
  • Returned Deposited Item $20.005
  • Courtesy Pay $20.005
  • Account Research/Reconciling $20.006

You must qualify to open either account. Your personal information will be submitted to ChexSystems® for eligibility. Any charged-off checking accounts will have to be paid before opening any checking account with Texasgulf FCU. Proof of payment must be submitted prior to opening an account.

Texsgulf FCU Deposit Rates   Truth in Savings Disclosures  Electronic Funds Transfers Policy  Funds Availability Policy

1 Fee is charged for use of non-Texasgulf FCU ATM use after the sixth (6th) free per month ATM withdrawals.

2 Per copy of each check requested.

3 Monthly service fee is charged only after balance falls below $400.00 during statement cycle. No fee is charged if balance does not fall below $400.00.

4 Fee is charged only when the requested stop payment item tries to clear your account. No fee is charged if the requested item does not try to clear your account.

5 Fee is charged per item (check, ACH, or Debit/ATM card). 6 Fee is charged per hour, with a minimum of one (1) hour being charged per your request of assistance.

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