Free Checking

Simplify your finances with a CTCU Free Checking account! Our checking account offers many perks including no minimum balance, which means no fees! In addition, you get access to our cutting-edge banking tools and this long list of valuable extras:

  • No minimum deposit
  • No monthly fees
  • Access to 30,000+ Surcharge-Free ATMs Nationwide
  • Free MasterCard® Debit Card with 24/7 fraud monitoring and zero liability protection for fraud transactions.
  • Free online and mobile banking
  • Free Bill Pay
  • Deposit checks using your mobile app.
  • Overdraft Privilege*
  • Courtesy Pay**
  • Quick access to your paycheck when you set up direct deposit.

Our free checking account is easy to open too! You can open your account today by applying online, in-branch, or over the phone. Already have a checking somewhere else? No problem! We’ve taken the hassle out of moving your checking account with step-by-step instructions.

How to Easily Move a Checking Account from one Credit Union to a FREE CTCU Checking Account

Step 1: Open a CTCU checking account.

Apply online, visit us at one of our branches, or call 903-561-2603.

Apply Now

For a final balance to be determined, you need to suspend all transactions from the account including writing checks, making payments, and using your ATM/Debit Card.

Transfer your direct deposits from your old account to your CTCU checking account. You will need:

  • Your new CTCU 10-digit checking account number.
  • CTCU’s Routing Number: #311989548
  • Direct Deposit Transfer Form
  • Your employer’s address and phone number

Complete the direct deposit form and send it to your employer, your retirement pension plan, or government direct deposits to switch your deposits into your new CTCU checking account.

Transfer any automatic payments such as recurring loan payments, insurance, utilities, internet providers, etc. from your former checking account to your new CTCU account.

Once your last check, automatic deposit or withdrawal, and automatic payments have posted to your new CTCU checking account, you can close your former account.

*Overdraft Privilege is a link to the savings account to cover sharedraft transactions for a fee of $8.00 per transfer. There are only three automatic overdraft transfers allowed per month.

**Courtesy Pay is a standard overdraft practice that is offered to all member share draft accounts in good standing, if authorized by the member. With courtesy pay, your check, ATM withdrawal, Debit Card purchase or other electronic debit items may be covered by the credit union up to the limit of $200.00. You will be charged the standard NSF fee of $30.00 per item. When an overdraft occurs on your account, you will be expected to deposit adequate funds to bring your account to a positive balance within 30 days. Fees could reduce the earnings on account. Some exceptions may apply.

Looking to start saving?

We offer more than your standard banks savings account.

Join CTCU Today!