Checking Products
The Perfect Checking Account for Your Needs
At South Texas Credit Union, our checking accounts are designed to fit your lifestyle with no monthly service fees and no minimum credit score requirement—giving you financial freedom from day one. Enjoy 24/7 access to your money with free online & mobile banking, plus:
- Free Instant-Issue Visa® Debit Card – Get your card on the spot and start spending right away.
- Free Mobile Deposit Capture – Deposit checks anytime, anywhere with just a snap.
- Access to Bill Pay – Stay on top of your payments.
- 55,000+ Surcharge-Free ATMs – Withdraw cash worldwide through the Allpoint Network—no fees, no hassle.
- Secure Mobile Payments – Pay quickly and safely with Apple Pay, Samsung Pay, and Google Pay.
- No Hidden Fees – Keep more of your money with transparent, straightforward banking.
More access, more convenience, more freedom. Open your account today!
Not sure which checking account is right for you?
Compare our options below.
Classic Checking
Simple. Secure. Everyday Banking.-
Free Instant-Issue Visa® Debit Card
-
Free Mobile Deposit Capture
-
Online & Mobile Banking
-
Bill Pay
-
Overdraft Protection
-
55,000+ Surcharge-Free ATMs (Allpoint)
-
Apple Pay®, Google Pay™, Samsung Pay
-
No Hidden Fees
-
$500 Minimum Balance
Stars+ Checking
Our Most Popular Account-
All Classic Checking Benefits
-
3 Free Cashier’s Checks per Month
-
No Minimum Balance Requirement
Platinum Checking
Premium Perks & Convenience-
All Stars+ Checking Benefits
-
5 Free Cashier’s Checks per Month
-
Free Personal Checks
-
$1,500 Minimum Balance
Membership Benefits FAQs
All South Texas Federal Credit Union checking accounts include convenient digital banking, access to 55,000+ surcharge-free ATMs through the Allpoint Network, a free Visa® debit card, mobile check deposit, bill pay, and secure mobile payments. Additional benefits may vary by account type.
Classic Checking is perfect for everyday banking with no hidden fees. Stars+ Checking includes all Classic benefits plus extra perks like free cashier’s checks with no minimum balance requirement. Platinum Checking offers premium benefits, including free personal checks and more cashier’s checks, with a minimum balance requirement.
Our Stars+ Checking is our most popular option because it offers added perks without a minimum balance requirement—making it a great fit for many members.
Classic and Stars+ Checking accounts do not require a minimum balance. Platinum Checking requires a $1,500 minimum balance to avoid a $10 monthly service fee.
Classic and Stars+ Checking accounts do not have a monthly service fee. Platinum Checking is subject to a $10 monthly service fee if the minimum balance requirement is not met.
Yes. Members may receive a free instant-issue Visa® debit card at account opening, subject to eligibility.
Yes. South Texas Federal Credit Union member deposits are insured by the National Credit Union Administration (NCUA), a U.S. government agency, up to at least $250,000 per individual depositor, for each ownership category.
Eligible individuals may open a checking account online or by visiting any South Texas Federal Credit Union branch. Membership eligibility and account approval are required.
Fees, terms, and conditions are subject to change. See account disclosures for complete details.
Overdraft Protection
Overdraft protection services may be available to help cover transactions when there are insufficient funds in your checking account. These services are designed to help avoid declined transactions; however, fees and eligibility requirements may apply.
Available Overdraft Options
Overdraft Transfer Service
You may link your checking account to a savings account or line of credit. When available funds are insufficient, funds may be automatically transferred to cover the transaction, subject to applicable transfer fees.
Courtesy Pay
Courtesy Pay is a discretionary service that may allow us to pay certain transactions that exceed your available balance. Courtesy Pay is not guaranteed and is provided at the credit union’s discretion. Fees may apply for each item paid using Courtesy Pay.
Fees, terms, and conditions apply. Overdraft services are subject to approval and eligibility requirements.
Automatic transfers enable you to set up regular monthly transfers to automatically take place on your accounts and loans.
For instance you can set up for funds to transferred from your share draft to your share account, or vice versa, every month. You can also transfer to other accounts such as your children’s separate STFCU accounts that you are not under your name.
The same can be done for any open loans you might have at the credit union, an automatic transfer will take money from your regular share accounts and pay your STFCU loan on the due date or any time after (if funds are not available on due date). This loan payment option is very useful especially for those of us who sometimes forget our due dates because of our busy schedules.
With direct deposit, you can arrange for your regularly recurring income such as paychecks, Social Security, retirement, veteran’s benefits to be deposited into your share or share draft account at the credit union.
This service not only saves you the trip to the credit union to deposit funds but also excludes you from all monthly share and share draft account fees.
The depositing institution or business will have to be notified by you that you wish to have your funds deposited to your STFCU account. Once that is done your funds will be deposited automatically without further intervention by you.
The Board of Directors, as required by law, reviewed and set the rates effective January 1, 2022. Risk based lending guidelines are followed as per federal regulation. Rates are subject to change without prior notice. For further information regarding applicable fees and terms, contact an employee at any South Texas Federal Credit Union office.
