Compare Checking Accounts
Checking options to fit your unique lifestyle
We know not everyone needs the same things from a checking account. That’s why we offer a variety of checking accounts tailored to fit you. All checking account options can be set up for direct deposit and come with a free Visa Debit Card, free Online Banking, and free Online Bill Pay. Visit with one of our Member Service Representatives today for assistance.
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REMINDER: Do not use Debit Card number for Your account number for Direct Deposit or ACH is "010" plus your Member Number and add a "0" to the end. For example: If your member number is 123456, you would use 0101234560 for deposits. If your member number is less than 6 digits, add zeros to the beginning of your member number to make it 6 digits: 0100012340 Call our Phone Center with any questions at (903)735-3000. |
Premier Checking
Earn
Varsity Checking
Earn
HSA Checking
Earn
Money Market
Earn up to
*APY=Annual Percentage Yield. Rate subject to change without notice.
Not A Member? |
Current Membersor contact us to upgrade your account today |
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Compare Top Two Checking Accounts
To assist you in selecting the best checking account for you, please check out the comparison table below. Comparison excludes exclusive needs accounts (Varsity, Fresh Start, Health Savings, Foreign National, and Representative Payee).
MEMBERSCHOICE PREMIER1 BASIC Type of Account Premium with benefits Standard Checking Minimum Balance Required $0 $0 Monthly Maintenance Fee $8 ($7 with eStatements) $5 (waived with eStatements) Earn Dividends • Visa Debit Card* • • Free Online Banking (Bill Pay, Alerts) • • Free Mobile Banking • • eStatement Required Check Writing Limits Free Checks2 • Additional Account Benefits3 - Travel and Leisure Discounts1
- $hopping Rewards™1
- Cash Back Member Rewards1
- Accidental Death & Dismemberment Insurance4
- Cellular Telephone Protection4
- Debit Advantage™4
- Roadside Assistance Service
- IDProtect®1
Seniors (65+)5: Seniors receive FREE Teller Checks (over $1000), Money Orders & Check Orders3 Not A Member?
Current Members
or contact us to upgrade your account today
1 Some benefits require activation, registration and/or enrollment.
2 Limitation of one box per order for accounts offering free checks.
3 Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.
5 Terms and conditions apply.
5 Primary account holder must be age 65 or better.
NOTE: New Members are not eligible for Remote Transfer for 6 months regardless of account type.*EMV 3DS Secure Code One Time Passcode Terms and Conditions for online transactions using your Debit and Credit Card
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Checking Account Rates
Projected Dividend Date: 6/30/2023
Account Type Minimum Balance Dividend Credited/ Compounded Dividend Rate Annual Percent Yield Varsity Club, HSA Checking, Organizational, Non Profit, Sole Proprietorship, Business Checking (Checking-Ck*)
($0 Opening Balance)$0.00 Monthly 0.05 % 0.05 % MembersChoice Premier Checking
($0 Opening Balance)$0.00 Monthly 0.05 % 0.05 % Money Market
($2,500 Opening Balance)
$2,500 - $99,999.99
$100,000 - $249,999.99
$250,000+Monthly
3.00 %
3.25 %
3.50 %3.00 %
3.25 %
3.50 %Commercial Money Market
($2,500 Opening Balance)
$2,500 - $99,999.99
$100,000 - $249,999.99
$250,000 - $499,999.99
$500,000.00+Monthly
3.00 %
3.25 %
3.50 %
3.75 %3.00 %
3.25 %
3.50 %
3.75 %All rates are based on a Daily Balances.
* No Longer Available as of 08/01/2016 -
MembersChoice Premier
Our MembersChoice Premier Checking account is our most extensive checking account with benefits that help to keep you and your account safe and secure. Account includes:
- No Minimum Balance
- Unlimited Free Checks (1 box at a time)
- Cash Rewards - Earn cash back on online purchases with your Visa Debit card
- Earn Dividends on Balance
- Free Instant Issue Visa Debit card (with Visa Purchase Alerts)
- Free Online Banking, Mobile Banking, Bill Pay, and eStatements
- Free Access to RO$EY, our telephone teller
- Monthly Service fee will apply
Not A Member?
Current Members
or contact us to upgrade your account today
Download the Club Checking Mobile App
at
or
Plus, with Premier Checking you also receive the following benefits at NO ADDITIONAL COST:
IDProtect®1 Identity theft protection for you and your identity
Includes Credit File Monitoring2, Credit Report and Score, Identity Theft Expense Reimbursement Coverage3 and Resolution Service
Comprehensive Identity Theft Resolution Services A dedicated fraud specialist assigned to manage your case. Experienced recovery professionals will handle the recovery process until your identity is completely restored. Identity Theft Expense Reimbursement Coverage3 Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud. Credit File Monitoring2 Daily credit file monitoring and automated alerts of key changes to your single-bureau credit reports.
Registration / activation requiredCredit Score Tracker4 Receive valuable insight into your credit score. Score Tracker plots your credit score each month on a chart so that you can easily see changes over time, along with score factors that provide insight into what events may have caused your credit score to change at a certain point in time. Debit and Credit Card Registration Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen.
Online Identity Theft News Center and Valuable Phone and Web Resources Get advice on ways to protect yourself from identity theft, read educational tips and access valuable online resources and news related to identity fraud and credit.
Cellular Telephone Protection3 Cellular telephone bill must be paid through this account.
Covers first four phones listed on the cellular phone bill.
Covers stolen or damage, in the U.S. and abroad.
Maximum to two claims per year / Up to $400 per claim / $50 deductible per claim.Travel and Leisure Discounts Money-saving discounts from thousands of local and national businesses.
Members can redeem and print coupons online or access discounts from their smartphone.
Digital Access makes saving super easy and convenient, giving instant savings anywhere, and anytime.
Registration / activation requiredDebit Advantage®3 - Buyer’s Protection & Extended Warranty Buyer’s Protection covers items for 90 days from the date of purchase against accidental breakage, fire, or theft.
Extended Warranty extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years.
Item(s) must be purchased entirely with eligible account.Cash Back Member Rewards Earn 10% cash back on everyday purchases up to $10 per quarter.
Save receipts and submit quarterly.
Registration / activation requiredAccidental Death & Dismemberment Insurance3 Up to $10,000, 24-hour coverage.
Coverage divides equally among joint account owners and reduces by 50% at age 70.Roadside Assistance Service3 24-hour coverage for roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence. Maximum of 2 events per year. 1 Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.
2 Credit file monitoring may take several days to begin following activation.
3 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.
4 After your first credit score request, your credit score will automatically be refreshed each month and plotted on your Credit Score Tracker graph. You will receive monthly email notifications letting you know when your new score is ready.Insurance product is not a deposit; not NCUA insured; not an obligation of credit union; and not guaranteed by credit union or any affiliated entity.
* Insurance product is not insured by NCUA or any Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate. Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.
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Basic
Our Basic Checking account comes with a standard benefits package to access your money when you need it. Account includes:
- No Minimum Balance Requirements
- No Per Check Fee
- $5 Monthly Fee (waived when electing eStatements and eNotices)
- Free Instant Issue Visa Debit card (with Visa Purchase Alerts)
- Free Online Banking, Mobile Banking, DeposZip and Bill Pay
- Free access to RO$EY, our telephone teller
Not A Member?
Current Members
or contact us to upgrade your account today
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Money Market Accounts
- Minimum Required Balance is $2,500.00
- Minimum Balance Violation Fee is $5.00
- Minimum Check Clearing Amount is $500.00
- Transaction Violation Fee is $35.00
- Only 6 Reg D Transactions allowed per month. Reg D transactions include the following:
- Checks
- Internet Transfers
- Preauthorized Transfers
- Remote Transfers
- Overdraft Transfers
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Varsity Club
Teens age 13-17 can manage their money their way with this special account. With safety measures built in, teens can learn responsible money management while enjoying the freedom to handle their own finances for the first time. This account makes the transition into financial independence a positive experience for teens and parents alike. Account includes:
- No Minimum Balance Requirements
- No Monthly Fees
- No Per Check Fees
- Free Instant Issue Visa Debit card (with Visa Purchase Alerts) (Must be 16 years of age with a joint owner)
- Free Online Banking, Mobile Banking, and eStatements
- Free access to RO$EY, our telephone teller
CONTACT US to open a Varsity Club account today.
Note: Courtesy Pay opt-in option not included.
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Fresh Start Checking
Sometimes, you need a little extra help. For members who have had trouble managing checking accounts in the past, we offer Fresh Start Checking. This powerful tool can help you get back on track and is available to members who may not qualify for a regular checking account. Account includes:
- Checking Account Management Education Program
- Available to those with ChexSystems Reports
- Special features to help you manage your account
- Free Instant Issue Visa Debit card (with Visa Purchase Alerts)
- Free Online Banking, Mobile Banking, DeposZip and Bill Pay
- Free access to RO$EY, our telephone teller
- $10 monthly maintenance fee
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Foreign National Checking
The Foreign National Checking is for individuals without a U.S. standard-issue form of identification. Individuals may present one of the following as a primary type of identification: Up to date Passport* or Matricula Consular
- No Minimum Balance Requirements (with Basic Savings)
- $5 Monthly Fee (waived when electing eStatements and eNotices)
- No Per Check Fees
- Free Instant Issue Visa Debit card (Sign up for free Visa Purchase Alerts)
- Online Banking, Mobile Banking, and Bill Pay
- Access to RO$EY, our telephone teller**
- No Dividends
Visit your local branch to learn more about Foreign National Checking.
*Accepted forms of identification must be bilingual or accompanied by notarized translation. ** Spanish audio available
La cuenta de cheques para ciudadanos extranjeros es para personas sin una forma de identificación estándar de EE. UU. Las personas pueden presentar uno de los siguientes como tipo principal de identificación: Pasaporte actualizado* o Matrícula Consular
- Sin requisitos de saldo mínimo (con ahorros básicos)
- Tarifa mensual de $5 (no se aplica al elegir estados de cuenta electrónicos y avisos electrónicos)
- Sin cargos por cheque
- Tarjeta de débito Visa de emisión instantánea gratuita (regístrese para recibir alertas de compra de Visa gratis)
- Banca en línea, banca móvil y pago de facturas
- Acceso a RO$EY, nuestro cajero telefónico**
- Sin dividendos
Visite su sucursal local para obtener más información sobre la cuenta de cheques para ciudadanos extranjeros.
*Las formas de identificación aceptadas deben ser bilingües o estar acompañadas de una traducción certificada ante notario. ** Audio en español disponible
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Representative Payee Checking
A Representative (Rep) Payee Checking account is for a government-appoint representative payee to manage Social Security (or SSI) funds only. Contact your local Social Security office for details.
- No Minimum Balance Requirements
- $5 Monthly Fee (waived when electing eStatements and eNotices)
- No Per Check Fees
- Free Instant Issue Visa Debit card (with Visa Purchase Alerts)
- Free Online Banking, Mobile Banking, Bill Pay and eStatements*
- Free access to RO$EY, our telephone teller
Visit your local branch to learn more about Representative Payee Checking.
* Some restrictions may apply
CONTACT US for details and to set up an account.
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Health Savings
Unexpected health care costs are one of the leading causes of financial distress for families. We can help with this account designed to keep you prepared for the unknown. Generally, HSAs provide tax-favored treatment for current medical expenses as well as the ability to save on a tax-favored basis for future medical expenses.
- Available to those with a high-deductible health insurance plan
- Often lowers health insurance premiums
- Savings are completely portable, even if you change jobs or coverage
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Overdraft Protection
Savings Account Transfers
Funds are transferred from your primary savings account at no charge to cover:
- Checks
- Preauthorized debits
- Point of Sale (POS) transactions
- ATM transactions
- Debit and Varsity Debit Card transactions
MoneyLine Line-of-Credit Loan Transfers
Loan fees may apply, but there is no transaction fee to use this service to cover checking account transactions. May be used as a primary overdraft protection source to cover:
- Checks
- Preauthorized debits
- POS transactions
- ATM transactions
- Debit Card transactions
Courtesy Pay*
Pays inadvertent overdrafts when no other means of overdraft protection is available. There is a $35 fee per item covered under this service. You must contact the credit union to opt in to this type of overdraft protection.
Covers:
- Checks
- Preauthorized debits
- POS transactions
- ATM transactions
- Debit Card transactions
Does Not Cover:
- Over the Counter Withdrawals
- Transactions used to make Red River Credit Union Loan Payments
*Restrictions Apply. Opt in Required. Overdrawn balances must be covered/repaid within 14 days.
To request Courtesy Pay, CONTACT US for details.
