Premium Checking

If you want to earn dividends on your checking account, look no further! Earn our best rate with just a minimum balance of $300 and these additional benefits:

  • $300 minimum balance
  • 0.10% APY* dividend rate
  • Free checks for members 55 and older
  • 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.

Open a CTCU Premium Checking account online, in-branch, or over the phone. Needing to close a checking account elsewhere? Follow these step-by-step instructions for a smooth transition.

How to Easily Move a Checking Account from one Credit Union to a Premium 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.

$8.00 service charge if at any time during the statement cycle the balance falls below $300. Service charge will be applied on the last day of the statement cycle.

*APY = Annual Percentage Yield. Federally insured by the NCUA

**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 your account to a positive balance within 30 days. Fees could reduce the earnings on account. Some exceptions may apply.

Start Investing in your Retirement Now.

CTCU offers three types of IRAs for you to choose from.

Open an IRA Account Today