Trans Texas Logo
Funds availability Policy

Share Draft (Checking) Accounts

At Trans Texas, we have the Share Draft (Checking) account you've been looking for! We offer many different selections tailor made to fit your needs. With competitive rates and great service, what more could you ask for. Come in today to open your own account here at Trans Texas!

*Minimum deposit of $50.00 required when opening any Share Draft (Checking) account.

Best of Texas
This account is FREE (no monthly service charges)
when you have direct deposit, and are signed up for Online Account Access and E-statements. We will provide up to one box of Share Drafts (checks) free per year (designated checks only). Interest bearing on a three tiered balance.

Free services with Best of Texas:

  • Automatic Loan Payment Transfers
  • ACH/EFT Deposits or Transfers
  • Payroll Deductions
  • Direct Deposits
  • Overdraft Protection (from shares)
  • Online Account Access
  • E-statements
  • Bill Pay

* (Some restrictions apply)

Best of Texas
Effective September 30, 2011
*0.100% - 0.200%
*0.200% - 0.300%
  * Based on tier balance.
** APY is the Annual Percentage Yield and rates are subject to change.

Gold Star Account
This interest bearing Share Draft (checking) account pays dividends on a balance above $600.00. A $4.00 service fee will be assessed each month if the account falls below the minimum required balance. Your first box of share drafts (checks) are provided to you free of charge. Online Account Access and E-statements are also free with this account. Bill Pay is free when you sign up for E-statements and is $5.00 per month if you are not signed up for E-statements.

*Fees also apply to certain services with this account.

Gold Star
Effective September 30, 2011
** APY is the Annual Percentage Yield and rates are subject to change.

Silver Star Account
Our economy account. No monthly fee! Simply $0.15 to clear each share draft (check). You must maintain a minimum balance of $5.00. Onlilne Account Access and E-statements are free with this account, and Bill Pay is $5.00 per month.

*Fees also apply to certain services with this account.

Fee Schedule
Effective November 1, 2016
$30.00 per item,(Does not apply to ATM withdrawals and one-time debit card transactions)
Stop Payment Fee
$25.00 per request
Share Draft (Check) Copy
$5.00 per item
Share Draft/Check Printing Fee
Prices vary depending on style
Gold Star Account Service Charge
$4.00 per month if the account drops below $600.00
Silver Star Account Service Charge
$.15 per share draft clearing
Money Market Service Charge
$10.00 if the balance falls below $2,500.00 or if there are more than (6) withdrawals per month. (maximum service fee per month is $10.00.)
Teller-Assisted Phone Transfers
$3.00 per assisted call
Other Service Fees (applicable to all accounts)
Application for membership
$5.00 minimum par share opening deposit
Non-sufficient funds (NSF) fee $30.00 per item
Domestic Wire transfer fee (outgoing) $20.00 per item
International Wire transfer fee (outgoing) $40.00 per item
Cashier check or share check fee $2.00 per item
Transaction history printout $5.00 per item
Statement copy $5.00 per item
Account reconciliation or research $25.00 per hour, one hour minimum
Deposit item chargeback $30.00 per item
MasterCard cash advance $20.00 per item
“Foreign” Card Cash Advance Fee $5.00+1% per advance, additional fees may be imposed by the card issuer
MasterCard Gift Card $5.00 per item
Notice of Levy processing fee $20.00 per item
Drive-thru canister replacement charge $115.00 per item
Fax service (incoming or outgoing) $1.00 per page
Non-member notary public service $6.00 first signature + $1.00 add'l signatures
Non-refundable negative account chargeoff fee $50.00
Debit MasterCard Fees
ATM terminal transaction fees $1.50 per withdrawal, $.50 per balance inquiry. Additional fees may be imposed by the ATM terminal
Additional fees may be imposed by the ATM terminal.
Card application fee $10.00 per card
Card replacement fee $10.00 per card
On-Site ATM
Non-Member Fees: $3.00 per withdrawal, $1.00 per balance inquiry
ATM fees are waived for all Trans Texas Debit MasterCard Transactions at this ATM terminal.
Check Cashing Fees
May apply to accounts with a minimum balance

Up to $500.00 $5.00 per item
$500.01 - $1,000.00 $10.00 per item
$1,000.01 and up $15.00 per item
Safe Deposit Box Annual Fees
3 x 5 $20.00 per item
3 x 10 $25.00 per item
5 x 10 $35.00 per item
10 x 10 $60.00 per item
Charges for drilling a box $105.00 per item
Bill Pay-e Plus
Shares $5.00 per month
Best of Texas &
Best of Texas Star
Gold Star Free
Silver Star $5.00 per month


Privacy      Terms

Our Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA guidelines. We are working to increase the accessibility and usability of our website for all people. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (325) 944-3184 for assistance. Products and services available on this website are available at our office located at 3401 Loop 306, San Angelo, Texas.