Last Updated: 01/21/2026
Texas Bay Credit Union Premium Perks Checking Account
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.02% - 0.15%(Verified 06/21/2024)
Monthly Service Fee
$10(Verified 01/21/2026)
Texas Bay Credit Union Premium Perks Checking Account Review
The Texas Bay Credit Union Premium Perks Checking Account is offered by Texas Bay Credit Union, a credit union founded in 1936 and based in Houston, TX. Texas Bay Credit Union Premium Perks Checking Account is available in 50 states and Washington, DC.
Key Takeaways
- Higher than average APY. Texas Bay Credit Union Premium Perks Checking Account has an annual percentage yield of up to 0.15% (depending on balance), which is higher than the national average interest rate on savings accounts.
- Waivable monthly maintenance fee. Maintain a $2,500 minimum balance to waive the $10 monthly fee
- No ATM fees. Texas Bay Credit Union Premium Perks Checking Account does not charge fees on ATM transactions within its network but there is a fee ranging between $0.50 and $3.00 for out-of-network ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Texas Bay Credit Union mobile or online banking.
Texas Bay Credit Union Premium Perks Checking Account Pros & Cons
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Texas Bay Credit Union Premium Perks Checking Account FAQ
Are checking accounts from Texas Bay Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does Texas Bay Credit Union Premium Perks Checking Account offer?
Texas Bay Credit Union Premium Perks Checking Account offers an APY starting at 0.02% and ranging up to 0.15% (APY stands for annual percentage yield, rates may change).
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.02% - 0.15% |
What are the account minimums for Texas Bay Credit Union Premium Perks Checking Account?
Texas Bay Credit Union Premium Perks Checking Account requires a minimum initial deposit of $50.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $2,500.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $50.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Texas Bay Credit Union Premium Perks Checking Account charge?
This account charges a monthly maintenance fee each statement cycle of $10.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $1.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $0.50 - $3.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $15.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $40.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposited Check | $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Uncollected Funds Fee (Deposits on hold) | $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Texas Bay Credit Union Premium Perks Checking Account charge overdraft fees?
Yes, Texas Bay Credit Union Premium Perks Checking Account charges a $29.00 fee for every overdraft.What features and perks does Texas Bay Credit Union Premium Perks Checking Account offer?
This account includes the following features:
- Fraud monitoring - Texas Bay Credit Union Premium Perks Checking Account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Texas Bay Credit Union Premium Perks Checking Account allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Texas Bay Credit Union Premium Perks Checking Account?
The customer support email for Texas Bay Credit Union Premium Perks Checking Account is webmail@tbacu.org.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 12:00PM