Free Checking

Our free checking account offers 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
• 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 digital banking.

Benefits of Free Checking

Get paid early

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.

---

Get rewarded with CashBack+

Get up to 20% cash back on digital gift card purchases from your favorite brands. There is no limit to how much cash back you can receive. Conveniently located inside Credit Human digital banking. CashBack+ details

---

Save with every purchase

Build your savings effortlessly when you opt in to Round Up. This automated savings program rounds up your purchase to the nearest dollar and transfers the difference into your savings account.

Round Up details

---

A debit card designed for you

Choose from a Credit Human, Spurs or UTSA Debit Card design – all exclusively from Credit Human.

Access funds at ATMs, including Credit Human ATMs in the San Antonio and Houston areas, and make purchases anywhere you see the Mastercard® logo.

Add your Credit Human debit card to your digital wallet and use Apple Pay, Samsung Pay or Android Pay and complete transactions right from your mobile device. Plus, with Card Control you can instantly lock a misplaced debit card, set alert preferences and more—all from your phone using the Credit Human digital banking app.

---

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 toll free at 800-688-7228 for further information on your insured funds.