It’s everything you need without monthly fees. Get the convenience of a full-service checking account with no minimum balance requirement.
- Open with $25 minimum deposit
- No minimum balance or monthly fees
- Unlimited check writing and debit card usage
- Eligible to receive paycheck up to two days early
- Free access to 55,000+ ATMs worldwide with Allpoint
- Funds federally insured up to $250,000
Note: This account does not bear dividends. For dividend-bearing checking options, see all checking.
Open Now
Already a member? Open a new account through online banking.
Early Pay
With Early Pay, get your paycheck or federal benefits up to two days early. Early Pay is free and automatic with direct deposit into a Credit Human checking account. Setting up direct deposit is easy, learn more.
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.
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.
Note: San Antonio Spurs and UTSA debit cards are available at any Credit Human location or when opening an account online.
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.