Dividend Checking allows you to earn dividends on your balance and enjoy all the conveniences that come with all of our checking accounts.
- Only $25 minimum deposit required to open
- Competitive dividends paid monthly on any balance
- No monthly fees when enrolled in direct deposit and online statements
- Free access to 55,000+ ATMs worldwide with Allpoint
- Unlimited check writing and debit card usage
Note: If required enrollment in both direct deposit and online statements are not satisfied a $5 monthly service fee is applied. For more options, see all checking.
VIEW RATES
Open Now
Already a member? Open a new account through online banking.
Free access to 55,000+ Allpoint Network ATMs
Use your Credit Human debit card to gain free access to the Allpoint Network of more than 55,000 ATMs worldwide. Allpoint ATMs can be found in popular shopping locations such as Target, CVS, Walgreens, and Circle K—just look for the Allpoint logo. Withdrawals can be made at any Allpoint ATM and cash deposits up to $1,000 can be made at select Allpoint+ ATM locations. Find a nearby Allpoint ATM by visiting our Locations page or using the Credit Human mobile app.
Easy Access
Free
mobile and
online banking provides you easy access to manage your money. We offer a range of easy ways to access your accounts so you can manage your money the way you want to – anytime, anywhere. Conveniently view your statements at any time within mobile and online banking.
Free Direct Deposit electronically deposits your recurring income into your Dividend Checking account, which means your deposits are made automatically. In addition to saving time, your funds will be available the same day and you don’t have to worry about your checks being lost or stolen. Direct Deposit is the most convenient and secure way to deposit your money.
A Debit Card Designed For You
Choose from a Credit Human, Spurs or UTSA Rewards Debit Card design – all exclusively from Credit Human.
Use your Credit Human debit card with your digital wallet at participating retailers. Just add your Credit Human debit card to Apple Pay, Samsung Pay or Google Pay and complete transactions right from your mobile device. Plus, with mobile and online banking you can instantly lock your misplaced debit card with Card Controls.
You'll earn rewards with every purchase with the Credit Human debit card rewards program, with no annual fees. Simply choose the Credit option when using your card and you'll earn rewards at a rate of one point for every $2 you spend. Track points and redeem them for things like airline tickets, travel packages and merchandise by visiting www.scorecardrewards.com.
Your Insured Funds
As a Credit Human member, your deposits — checking, savings, certificates, and IRAs — are federally insured up to $250,000 by National Credit Union Administration (NCUA). Similar to deposit insurance coverage offered by the FDIC for banks, the NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions.
More Details: Account type and ownership factor into coverage amounts. Read up on NCUA Share Insurance (PDF) to maximize your coverage, estimate your coverage online, or call our Member Service Center at (210) 258-1234 or toll free at 800-688-7228 for further information on your insured funds.