It pays to be a member;
Earn $200 when you open today.
Get rewarded as a member when you open a checking account with as little as $25.
How it Works
Your $200 reward will be deposited directly into your account.
Offer limited to residents of San Antonio TX, Houston TX, New Orleans LA, and surrounding areas.*
A Debit Card Designed For You
Credit Human has the tools you need to get more out of your checking account with an enhanced Mastercard® Debit Card-a faster, safer and more convenient way to pay.
- Feel secure with fraud and ID theft protection
- Enjoy free access to more than 55,000+ ATMs worldwide with the Allpoint Network
- Add your debit card to Apple Pay, Samsung Pay or Google Pay and complete transactions right from your mobile device
Convenience at your fingertips
Manage your accounts at your convenience with digital banking.
- Simply tap to pay at participating merchants
- Pay bills and track spending with financial health tools
- Add accounts or apply for a loan online
- Check balances, view history and more
Open An Account
Who is Credit Human?
We’re not your average financial institution—and that’s a good thing. We exist to serve a community of members—not to maximize corporate profits. When you open an account you become part of a strong financial cooperative.
Our mission is to help members reduce financial stress by building financial slack.
More slack equals less stress. When you subtract life's expenses from the money you make, what's left over is your financial slack. Having enough slack means you can pay for unexpected expenses and enjoy life without the constant stress.
Terms and Conditions
*Only one new checking account per primary member by household mailing address is eligible for the incentive offer and cannot be combined with any other Credit Human offers. Offer valid with online account opening or at any Credit Human location. Membership eligibility required and subject to Credit Human Membership Agreement. Offer available to non-members. Offer limited to residents of San Antonio, TX, Houston, TX and New Orleans, LA and surrounding areas. Minors, business entities, and Credit Human employees are not eligible.
To receive the incentive 1.) Minimum deposit of $5 required to establish membership. 2.) Credit Human checking account required to be open before November 22, 2024. Most checking accounts require a minimum $25 deposit to open and 3.) to receive the $200 incentive, the checking account must remain open at least 90 days from account opening, a minimum of 10 point-of-sale debit card transactions (ATM excluded) with a minimum purchase of $10 per transaction, two recurring direct-deposits of a minimum of $250 each, online banking and online statements enrollment must occur. Incentive to be deposited into your checking account within 90 days of account opening during promotion period of September 23, 2024, through November 22, 2024, are contingent upon meeting offer requirements and account must be in good standing.
Incentives are considered interest and will be reported on IRS Form 1099-INT. The Annual Percentage Yield (APY), for the Credit Human savings accounts effective as of September 23, 2024, is 0.75% for balances $100.00 and greater. Dividend rates are variable. All Mastercard consumer debit cardholders in the US are eligible for Mastercard ID Theft Protection coverage and there is no charge for these services. You must enroll in order to receive Mastercard ID Theft Protection. Refer to the Mastercard Guide to Benefits at https://www.credithuman.com/privacy for more details.