Checking Accounts

Youth Checking

Getting ahead financially can be tough for teens. What better way to get started than with your own checking account? Fort Worth City Credit Union offers a CU Varsity youth checking account designed just for teens. Check out some of the benefits:

  • For ages 13-17 (must have an adult joint owner on the account until age 18)

  • Instant access to your money with a VISA debit card

  • No minimum balance or monthly fees

  • Earns interest

  • Access to digital banking, mobile app, mobile deposit, account alerts and card management

  • No Courtesy Pay - checks and debit purchases are returned/rejected if funds are not in the account so you can’t spend money you don’t have

  • Monitor account activity and transfer funds from your phone with the mobile app


Freedom Checking

Enjoy freedom from fees! Freedom Checking is our free checking account for members with a clear ChexSystems history. There is no minimum balance, no monthly fees, or direct deposit requirement. Courtesy Pay up to $300 is offered on this account.


Heritage Checking

Heritage Checking is an interest-bearing account for members with a clear ChexSystems history who keep a higher balance in their checking accounts. There is a $500 minimum balance to avoid a $5.00 monthly fee. Heritage members receive two instant issue cards free per year, 2 boxes of standard checks free per year (limitations apply), unlimited free teller/cashier checks, and Courtesy Pay up to $500.


Independence Checking

Declare independence from your financial past! Independence Checking is a second-chance checking account that offers those with a ChexSystems history the opportunity to still have a fully functioning checking account. This account is available to everyone and offers checks and bill pay. There is a $7 monthly fee that is easily waived by a $1000.00 aggregate minimum monthly direct deposit. If your balance becomes negative, the account will be charged a $1 daily negative balance fee until the balance is brought back up to $0. Courtesy Pay is not offered on the account to assist you in staying out of debt by not spending money you don’t have.

Ready to get Started?

Open a checking account now! For assistance, call or text us at 817-732-2803.