Skip to main content
Special Announcement:

Accounts

Benefits

Free E-Statements

No more waiting for your bank statement to arrive!

eStatements are quicker and more secure, allowing you peace of mind when it comes to reviewing your account each month.

Free ATM Transactions

Now with an additional 50,000 ATMs!

You can find Allpoint ATMs virtually anywhere your travels may take you. With over 55,000 participating ATMs, your cash is never far away.

Free Mobile & Online Banking

Convenient Online Access 24/7!

Check transaction history, account balances, pay bills, make transfers and locate our nearest ATMs and branches all in the palm of your hand.

Free Telephone Banking

Say Hello to the power of text and phone banking!

Check transaction history, account balances, pay bills, make transfers and locate our nearest ATMs and branches all in the palm of your hand.

Free Online Bill Pay

Fast, Secure, and Worry-Free!

Easily pay your bills online without the hassle of writing checks or buying stamps!

CC

Free Mastercard Debit Card

Easily Buy the things you need — online or in-store!

Plus, for added convenience and protection, our cards are contactless - just tap and go at checkout!

Compare

Checking Account Comparison

Premier Checking

  • Earns Dividends YES Earns Higher Rate on balances up to $20,000 (when qualifications met*)
  • Opening Deposit $100
  • Minimum Balance Required $5,000 to avoid monthly service fee
  • Monthly Service Fee $52
  • Direct Deposit YES
  • Remote Deposit YES
  • Courtesy Pay Limit $500
  • Benefits Plus® $4.50/Mo.
Click to expand more Info

ACU Checking

  • Earns Dividends YES When $2,500 avg. daily balance is maintained
  • Opening Deposit N/A
  • Minimum Balance Required None
  • Monthly Service Fee $0
  • Direct Deposit YES
  • Remote Deposit YES
  • Courtesy Pay Limit $500
  • Benefits Plus® $4.50/Mo.
Click to expand more Info

Student Checking

  • Earns Dividends YES When $1,000 avg. daily balance is maintained
  • Opening Deposit N/A
  • Minimum Balance Required None
  • Monthly Service Fee $0
  • Direct Deposit YES
  • Remote Deposit YES
  • Courtesy Pay Limit $500 N/A < 18 Yrs.
  • Benefits Plus® $4.50/Mo. N/A < 18 Yrs.
Click to expand more Info

Hero Checking

  • Earns Dividends YES When $2,500 avg. daily balance is maintained
  • Opening Deposit N/A
  • Minimum Balance Required None
  • Monthly Service Fee $0
  • Direct Deposit YES
  • Remote Deposit YES
  • Courtesy Pay Limit $500
  • Benefits Plus® Comp.
Click to expand more Info

Silver Star Checking

  • Earns Dividends YES When $2,500 avg. daily balance is maintained
  • Opening Deposit N/A
  • Minimum Balance Required None
  • Monthly Service Fee $0
  • Direct Deposit YES
  • Remote Deposit YES
  • Courtesy Pay Limit $500
  • Benefits Plus® $4.50/Mo.
Click to expand more Info

180 Checking

  • Earns Dividends NO
  • Opening Deposit $25
  • Minimum Balance Required None
  • Monthly Service Fee $10
  • Direct Deposit YES
  • Remote Deposit YES Subject To Approval
  • Courtesy Pay Limit $100
  • Benefits Plus® $4.50/Mo.
Click to expand more Info
*Premier Checking – Higher Rate Qualifications: 10 Signature based debit card transactions (of at least $5.00 each) cleared per calendar month. Direct Deposit of at least $500.00 per month. E-statements required.

The Fine Print

Membership requires savings account with minimum balance of $1. Consult Fee Schedule for additional details. Fees may reduce earnings. All fees are subject to change without notice. All accounts are subject to approval. Courtesy Pay is subject to a 30 day waiting period for new accounts and member must meet Courtesy Pay Qualifications. A $30 fee will be charged for each check, debit/ATM card, ACH, or similar transaction if account becomes overdrawn. Transactions exceeding your established limit (and other types of transactions) will not be covered.

1For members 12-17 years of age: Ages 12-15 requires a joint holder that is a parent/guardian age 18 or older. A student 0-15 years of age requires a joint holder that is a parent/guardian age 18 or older on the account. A student 12-15 years of age requires a joint holder that is a parent/guardian age 18 or older on the account. Student Checking MasterCard Debit Card requires parent or guardian on account for ages 12-17 – not available for ages 11 and younger. Premier Checking: Fees may reduce earnings.

2$5.00 Monthly Service Charge if daily balance falls below $5,000.00 for Premier Checking.

3Free e-Statements require opt-in at account opening or within Online Banking. A $3.00 monthly fee for mailed paper statements will be billed for ACU Checking and 180 Checking when electronic delivery is declined.

4Subject to approval. Federally insured by NCUA. Equal Housing Lender. Rates effective as of 07/01/22

Dormant Account Notice

If your account has had no activity in the last year and you have not contacted the credit union, your account becomes dormant. After three years of dormancy, your account becomes abandoned, and the funds in the account will be sent to the State Treasury.

Rates

Join The CU That Cares

When you become an Associated Credit Union of Texas member, you become part of everything we do to improve the quality of life in our community.

We pass the savings back to our membership in the form of lower loan rates, higher savings rates and improved service.

Let's Hear From #happyACUTXmembers!

Rick's story about service

My auto loan went through as smooth as glass. It is enjoyable working with people that know exactly how to get the job done.
Rick – Member

Skip The Line!

Mobile Access to your Accounts Anytime, Anywhere!

Easy Access on the Go
  • Log In Fast
  • Manage It All
  • Deposit From Anywhere
Learn More

The ACU of Texas Mobile app allows you to view your transaction history and account balances, pay bills, make transfers and locate our nearest ATMs and branches!

  • Download on the App Store
  • Get it on Google Play