Checking Account | Cooperative Teachers Credit Union

Sidebar Menu

CTCU Checking Account Holiday Offer

Regular Checking

Regular Checking

Your Holiday Meal is on us when you open a checking account!*

Learn More
  • No Minimum Balance Required
  • No Monthly Service Charge
  • Free Home Banking
  • Free Bill Pay
  • MasterCard® Debit Card
  • Overdraft Privilege*
  • Courtesy Pay**

New Membership

Are you interested in opening a Regular Checking Account? CTCU membership starts by opening a regular share savings account with a minimum initial deposit of $20. Once you're a member, you have the option of opening other accounts, applying for loans, and taking advantage of all the other benefits of being a member of CTCU! If you have questions or need to know which forms of ID are needed for account opening, please call us at (903) 561-2603 or email us at

*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.

Become a Member Today