Perks Checking





Checking with Added Perks

With Perks Checking1 you can pay your bills and pay yourself with money-saving benefits!

Win the ultimate Astros VIP Experience with Texas Bay.

 


  • Anytime, anywhere banking tools
  • Get paid 2 days early with direct deposit2
  • No minimum balance
Perks and Protections

Fuel Cashback5

Earn 3% cashback on fuel purchases with a Texas Bay Perks or Premium Perks checking account. 

Local Savings

Get local deals and national retailer discounts on dining, merchandise, travel, and more.

Personal Identity Theft Aid6,7,8

Protect your information with identity restoration, up to $5,000 personal identity theft benefit, payment card resolution, credit monitoring, identity monitoring, and child identity monitoring. Plus, keep tabs on your credit with score tracking and score simulating.

Roadside Assistance

Get up to $80 in service charges for free with 24/7 assistance. Coverage includes towing assistance, battery service, lock-out assistance, and more.

Health Savings

Save money on prescriptions, eye exams, frames, lenses, and hearing services at participating providers.

Cell Phone Protection6,7

Receive up to $1,000 per claim (max 2 claims per year) if your cell phone is broken or stolen when you use your Perks or Premium Perks checking account to pay your cell phone bill.

Travel Accidental Death Insurance7

Have peace of mind while traveling with $10,000 of coverage.

Buyers Protection and Extended Warranty6,7

Your purchased item can be reimbursed or replaced if an accident or theft occurs within 180 days or purchase, when purchased using your Perks checking account.

Do you carry a high balance on your checking and want to avoid a monthly fee? Check out our Premium Perks Checking.

Disclosures:

1Must be a Texas Bay member with a minimum $1 membership deposit and continuing balance. New checking accounts subject to approval. Minimum opening deposit is only $50. Program, rates, rewards, terms and conditions subject to change without notice. Accounts are variable rate accounts and rates are subject to change at any time without notice. Fees could reduce earnings. 

2Eligible direct deposits can be credited up to two business day early. Early availability of funds is not guaranteed and may vary depending on transaction type, the timing of submission and funding by the payer, and standard screening.

3Monthly fee will be waived for minors (17 years old and under) and senior citizens (65 years old and older)

4ATM – automated teller machine. Number of ATMs subject to change. Surcharge free ATMs limited to Texas Bay Credit Union ATMs and designated AllPoint Network ATMs. ATM must be in AllPoint network at the time of transaction. Other fees such as non-sufficient funds, overdraft, etc. may apply. See our full fee schedule for details. Credit union rules and regulations apply. Speak to a Credit Union representative for complete details.

5To earn 3% cashback on fuel purchases, you must connect your powered by BaZing Perks or Premium Perks checking account with Texas Bay through Plaid and complete 20 qualifying debit card transactions each month. ATM withdrawals, account transfers, and deposits or refunds do not qualify. Cashback rewards are automatically deposited into your account monthly, up to a maximum of $5 per month. For complete program details, please refer to the BaZing Fuel Terms and Conditions. The BaZing Fuel cashback program may be modified or discontinued at any time without prior notice.

6Subject to the terms and conditions detailed in the Guide to Benefits.

7Insurance products are: NOT A DEPOSIT. NOT FEDERALLY INSURED. NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY.

8Identity monitoring and credit monitoring each require additional activation to begin