The Perfect Checking Account for Your Needs

Account Features Classic Checking Stars+ Checking Platinum Checking
Free 24/7 Access to Home Banking Yes Yes Yes
Free Mobile Banking Yes Yes Yes
Free e-Statements Yes Yes Yes
Free Bank-by-Phone Yes Yes Yes
Issue Debit/ATM Cards Yes Yes Yes
Overdraft Privilege * Yes Yes Yes
Unlimited Check Writing Yes Yes Yes
Free Cashier's Checks Per Month 3 5 10
Overdraft Transfer Protection Yes Yes Zero-Fee
Savings on Safe Deposit Box - 10% 25%
Competitive-Tiered Interest - Yes Yes
Free Temporary Checks ** - - Yes
Free Coin Verification - - Yes
Free Accidental Death Insurance - - Yes
Dividends Earned *** - Yes Yes
Minimum Balance Fees $5 for balance < $500 Free $10 for balance < $1,500
APR - 0.001% 0.001%
APR - 0.001% 0.001%
Become A Member Become A Member Become A Member

Membership Benefits

Visa Check Card

It is a new way to pay “cash”, but with the convenience and safety of a credit card. It has the appearance of a credit card, but functions as a check.
Any member of South Texas Federal Credit Union who is at least 18 years old, and has a checking account is eligible.
Use it for shopping, traveling, dinning out, grocery store, gas or even to order items from catalog merchants by mail or telephone…even places that do not accept checks!

Additionally, your Check Card functions as an enhanced ATM card that can be used at thousands of ATM locations around the world.

Immediately call our office at 956-618-7500 to report the card lost or stolen. If our office is not open please call 1-800-791-2525.
With your Check Card, there is no need to carry your checkbook or large amounts of cash. Just present it at the time of purchase and the amount will automatically be deducted from your South Texas Federal Credit Union checking account.

You will save time and money since there is no check to write or time spent waiting for check approval.

Your privacy is protected by not having to present additional ID that shows your address, phone number or checking account number.

You will receive a receipt immediately with your transaction. The details will show up on your checking account statement, listing the date and location of every debit card transaction.

Unlike a credit card, there are no finance charges or late fees: however, if your account is overdrawn, overdraft fees may apply.

As soon as an application is filled out and either mailed or brought into one of South Texas Educators Federal Credit Union locations. Upon approval…it’s yours!

Overdraft Protection

Overdraft protection allows funds to be transferred from your regular share accounts to your share draft account in case there is not sufficient funds at the time of share draft posting.

There is also a special overdraft protection loan, which must be applied for and approved first. This open end loan is meant to cover any case of insufficient funds.


We can save you the expense and embarrassment of having your checks returned. Overdraft Privilege does just that.

As long as you maintain your share draft (checking) account in good standing, South Texas FCU may elect to pay your overdraft checks rather than returning them unpaid.
You will still be charged the regular service fee of $30 for insufficient funds. But, this service enables you to avoid the additional vendor charges associated with an overdraft.

You do not have to do anything other than keep your account in good standing. Please be advised that you will be mailed a letter stating you are eligible for our Overdraft Privilege. If you do not receive this letter please give us a call to verify your Overdraft Privilege status, BEFORE you make use of this service.
Your account is considered in good standing if it adheres to the following criteria:

  • Share draft account has been open for at least sixty (60) days.
  • Once your account is overdrafted, you must bring the account to a positive balance within thirty (30) days for a minimum period of twenty four (24) hours.
  • There must NOT be any loan, credit card, or other obligation to South Texas FCU in default status.
  • Account must not be subject to any legal or administrative order or levy.
  • Account must have a current and verified address and phone number.
South Texas FCU will cover up to $700 worth of overdrafts, INCLUDING the service charges. For example, say you have a $0 balance in your checking account and a $300 check clears. The $300 will be deducted from your checking account as well as the $30 service charge, making your balance -$325.
Your overdraft amount must be paid as soon as possible.

One of the most popular benefits of credit union membership is payroll deduction. With payroll deduction, you can earmark a certain amount from your paycheck to be deposited into regular share accounts and/or to make loan payments.

This service is reserved for employees of school districts who have their paychecks deposited to their STFCU account by their school district automatically each month.

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 May 31, 2017. 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.