Sensible Spend Account

An alternative to a traditional checking account with everything you need without the possibility of overdraft fees that can impact your financial health.

  • Open with a $0 minimum deposit
  • No overdraft fees
  • Waive monthly fee by setting up a $3 monthly auto-transfer to your savings
  • Eligible to receive paycheck up to two days early

Note: This account does not bear dividends or earn ScoreCard Rewards. For dividend-bearing checking options, see Dividend 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.

A Debit Account to Fit Your Needs

With the fast pace of everyday life sometimes you just need access to your money without worrying about overdraft fees. Because of that we've designed an account with your financial health in mind.

This account gives you access only to what’s available in your account. You can use your debit card with the peace of mind of knowing that you won't overdraft your account or receive any fees associated with an overdraft. Unlimited use of your debit card means no more hassling with paper checks. And you still have the functionality of a traditional account like setting up bill pay and automatic payments.

This is our way of helping you stay on track with your financial health.

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 Sensible Spend 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.

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 Card Control you can turn your debit card on and off, set alert preferences and more - all from your mobile phone with the mobile banking app.

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.

Join Credit Human and Become a Member Today

Free Checking

It’s everything you need without monthly fees. Get the convenience of a full-service checking account with no minimum balance requirement.

Share Savings

Credit Human membership begins with a simple account designed to get you saving. All it takes is a $5 deposit to get started.