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 or monthly fees
• Eligible to receive paycheck up to two days early
• Officially certified as meeting the Bank On National Account Standards

NOTE: This account does not bear dividends. For dividend-bearing checking options, see Dividend Checking.

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Benefits of a Sensible Spend Account

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.

No overdraft

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.

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

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

Easy access

Our digital banking app provides easy access to manage your money and view statements—anytime, anywhere.

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 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 mobile 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.