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High-Yield Checking Accounts in Texas
Find the checking account that’s right for your financial goals.
Rewards Checking
Account Details
Earn Up to 5.12% APY.* Make Every Dollar Count.
Why settle for ordinary checking? With Mobility Credit Union's Rewards Checking, you can earn up to 5.12% APY on your first $20,000 while enjoying no monthly service fee and convenient digital banking.
Anyone in Texas can qualify to join!
Earning Rewards Is Simple
Meet these two monthly qualifications to earn 5.12% APY on balances up to $20,000:
Receive at least $300 in ACH or direct deposits.
Make 15 debit card purchases of $10 or more each.
Minimum opening deposit: $100.
More Benefits. Better Banking.
No Monthly Service Fee – Keep more of your money.
Zelle® – Send and receive money conveniently.
Swipe. Give Back. Get Rewarded – Every qualifying purchase with an eligible community debit card gives 5¢ to a community organization and 5¢ back to you.
Early Access to Eligible Deposits – Receive incoming FedNow® payments in seconds, including weekends and holidays.
Mobile & Online Banking – Manage your money anytime, anywhere.
Debit Card Controls – Manage your card and receive alerts through Mobility's digital tools.
30,000+ ATMs Nationwide – Convenient access to your money.
Shared Branching – Access thousands of participating credit union locations nationwide.
Free Official Checks & Bill Pay – More everyday banking benefits.
Ready to Earn More With Your Checking?
Open your Rewards Checking account today!
Call us at (214) 574-2000 or text us at (214) 888-4007 to get started!
**APY = Annual Percentage Yield. When all qualifying criteria are met, earn 5.12% APY on balances between $0.01 - $20,000.00. Earn 0.03% APY on balances between $0.01 - $20,000.00 if qualifying criteria are not met. Earn 0.05% APY on balances of $20,000.01 and higher when all qualifying criteria are met or not met. Minimum opening deposit of $100.00 required. ATM transactions do not count towards monthly debit card transactions. Rates are subject to change without notice.
Your Checking Can Make a Difference.
Support causes like breast cancer awareness and animal rescue with Mobility's community debit cards. Every qualifying purchase helps give back to your community while rewarding you.
Premium Checking
Account Details
Earn More. Without the Extra Requirements.
Want your checking account to earn dividends without keeping track of monthly transactions? Mobility Credit Union's Premium Checking makes it simple.
Earn up to 2.63% APY* with no monthly debit card purchase or direct deposit requirements. Enjoy convenient digital banking, easy access to your money, and the personal service you deserve.
Premium Checking Benefits
Earn Up to 2.63% APY* – Competitive tiered dividends based on your balance.
No Monthly Transaction Requirements – No required debit card purchases or direct deposits to earn dividends.
Zelle® – Send money for free and receive money quickly and conveniently.
Banking That Gives Back – Support community organizations and earn 5¢ back with every qualifying community debit card purchase.
Mobile & Online Banking – Manage your money anytime, anywhere.
Fast Incoming Deposits – Receive eligible FedNow® payments in seconds, even on weekends and holidays.
Debit Card Controls – Conveniently manage your debit card through Mobility's digital banking tools.
Nationwide ATM Access – Access thousands of participating ATMs.
No Monthly Service Fee – More value from your everyday banking.
Anyone in Texas can qualify to join Mobility Credit Union!
Ready for Checking Without the Hassle?
Open Your Premium Checking Account Today
Call us at (214) 574-2000 or text us at (214) 888-4007 to get started!
*APY = Annual Percentage Yield. Dividends earned on balances of $1,500.00+. Earn 1.51% APY on balances between $1,500.00 - $24,999.99, 2.02% APY on balances between $25,000.00 - $49,999.99, 2.27% APY on balances between $50,000.00 and $99,999.99, 2.43% APY on balances between $100,000.00 and $249,999.99, 2.53% APY on balances between $250,000.00 and $499,999.99, and 2.63% APY on balances $500,000.00+. Minimum opening deposit of $100.00 required. All qualifying criteria must be met to qualify for dividends. Rates are subject to change without notice.
your Checking Can Make a Difference.
Support breast cancer awareness and animal rescue with every qualifying community debit card purchase while earning rewards for yourself!
Fresh Start Checking
Account Details
Your Past Doesn't Define Your Financial Future.
Everyone deserves an opportunity to move forward. Whether you've experienced banking challenges in the past or simply need a fresh start, Mobility Credit Union is here to help you take the next step with confidence.
Our Fresh Start Checking account offers convenient everyday banking, modern digital tools, and a chance to build a stronger financial future.
Fresh Start Checking Benefits
No Monthly Service Fee – Keep more of your hard-earned money.
Free Debit Card – Convenient access to your money for everyday purchases.
Fast Incoming Deposits – Receive eligible FedNow® payments in seconds, even on weekends and holidays.
Online & Mobile Banking – Manage your money anytime, anywhere.
Debit Card Controls – Manage your debit card with convenient digital tools.
Free e-Statements – Access your statements electronically.
Nationwide ATM Access – Access more than 30,000 participating ATMs.
A Fresh Start Begins Here.
Your financial journey is about where you're going, not where you've been.
Open Your Fresh Start Checking Account Today
Our routing number is: 311979752.
A primary savings account is required to open a checking account.
Questions? Give us a call at 1 (800) 388-7889.
Debit Cards
Details
Lost or stolen debit card? Call (800) 388-7889 during business hours or 1 (800) 472-3272 after business hours.
If you're returning a fraud notification message, please contact 1 833 735-1892.
FAQs
What is a Mobility CU debit card?
It's a card that gives you all the benefits of an ATM card, plus this added bonus: You can use it to make purchases anywhere Mastercard® is accepted. Just present your Mobility CU Mastercard Debit Card, sign the receipt, and the purchase amount will be deducted from your checking account.
How can my Mobility CU debit card help me handle my banking needs?
Your Mobility CU debit card gives you 24-hour banking convenience. Simply use your card to make deposits or withdrawals, check balances, or transfer funds between accounts at Mobility CU.
Can I use my Mobility CU debit card for purchases without paying interest charges?
Yes. Since the money for your purchases comes directly from your checking account, there are no interest charges.
How is my Mobility CU debit card different from a credit card?
Your Mobility CU debit card is not a credit card, so you don't pay finance charges. Each purchase amount is deducted from your checking account, and the details are on your monthly statement.
Are there any monthly or annual fees for my Mobility CU debit card?
No, there are no monthly or annual fees for the Mobility CU debit card.
What other benefits will I enjoy?
Your Mobility CU debit card can get you out of checkout lines fast because you won't have to wait for check approvals. Every purchase will be listed on your monthly checking account statement, which can simplify your record-keeping.
Where can I make purchases?
Your Mobility CU debit card can be used to make purchases at millions of places that accept Mastercard® – including restaurants, department stores, doctors' offices, airlines and hotels, grocery stores, gas stations, and more.
What is a Personal Identification Number (PIN)?
A PIN is the numeric code you enter to enable a transaction at an ATM or point-of-sale terminal. Safeguard your PIN by memorizing it and not disclosing it to anyone. Do not write your PIN number on a piece of paper in your wallet where you carry your card.
When I make a purchase, do I have to give the merchant personal information regarding my PIN or checking account balance?
No. You do not need to divulge any personal banking information such as your PIN or checking account balance and they cannot be accessed by merchants.
Is it safe?
Absolutely! Use your Mobility CU debit card to pay for purchases and shop with confidence, knowing that Mobility CU protects your account and Mastercard® Zero Liability Protection covers you for unauthorized purchases on signature transactions... and carrying your card is much safer than carrying a lot of cash or checks.
How do I keep track of my purchases?
All transactions made with your Mobility CU debit card are listed on your monthly account statement. Each transaction shows the merchant name, the date of the purchase, and the amount spent – so the more you use your card for everyday purchases, the easier it can be to track expenses and manage your budget. Go to our website at www.mobilitycu.com to monitor your activity with Home Banking.
How long does it take for purchases to be posted to my account?
The vast majority of purchases made at retail locations will be posted to your account within a day or two. Other transactions done for car rentals, hotel reservations, and pay-at-the-pump transactions may not post for several days. Use Home Banking to monitor your account. It's fast and easy!
What happens when I need to return merchandise?
It's the same as returning merchandise purchased with a credit card or check. Be sure to save your receipt in case you need to return an item. Returns are made directly with the merchant. The merchant will simply credit your checking account with the amount of the return.
What do I do if I find an erroneous charge on my account?
Contact the merchant directly to resolve the discrepancy. All participating merchants in the Mastercard® network are bound by rules and regulations as it applies to consumer inquiries and investigations. If you are unable to resolve the issue directly with the merchant, we will need to know the steps you have taken to resolve the issue before we can intercept on your behalf with Mastercard®.
Why would I want to do a PIN transaction?
If you find that you need some cash, it's easy to get "cash back" at the point-of-sale. It's quick and easy and you don't need to waste time locating an ATM. At the point-of-sale terminal, just swipe your card, select "debit" on the PIN pad, and enter your 4-digit PIN. You will be prompted for "cash back". Select the cashback amount. The merchant will give you a receipt and the cash.
Can I get cashback with my purchases?
Yes, this is a convenient way to withdraw cash from your checking account when shopping, with no need to make a special trip to the ATM. Simply inquire if you can get cash back before the cashier calculates your purchase total. Merchants will be happy to honor your request where the service is available. A PIN is required to get cashback.
Can I use my Mobility CU Mastercard Debit Card to set up automatic bill payments?
Yes. From Internet and phone charges to health club dues and insurance premiums, more and more service providers are offering the convenience of automatic bill payments using your Mobility CU Mastercard® Debit Card. It ensures that your recurring bills are paid on time without the hassles of writing checks every month. And there are no interest charges since your payments are automatically deducted from your checking account. The preauthorized amount can be fixed, like a magazine subscription, or it can fluctuate, like your utility bills – it depends on the terms you set with the service provider. To set up automatic bill payments, simply contact providers that send you bills on a regular basis and ask if they can bill your Mobility CU Mastercard® Debit Card instead.
What should I do if my Mobility CU Mastercard Debit Card becomes lost or stolen?
Call during business hours at 1 (800) 388-7889 to report a lost or stolen card and after business hours at 1 (800) 472-3272.
We cover your overdrafts in two different ways
We have standard overdraft practices that come with your account
We also offer overdraft protection plans, such as a link to your savings account or line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans
What are the standard overdraft practices that come with my account?
Mobility CU does authorize and pay overdrafts for the following types of transactions:
Checks and other transactions made using your checking account number
Automatic bill payment
What are the overdraft practices that do not come with my account?
MOBILITY CU does not authorize and pay overdrafts for the following types of transactions unless you ask us to:
ATM transactions
Everyday debit card transactions
What fees will I be charged if Mobility CU pays my overdraft?
Under our standard overdraft practices:
We will charge you a fee of up to $35 each time we pay an overdraft
There is no limit on the total fees Mobility CU can charge you for overdrawing your account
What if I want Mobility Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions? If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, log into Home Banking, where you will find the Opt-In option under Account Services, then Overdraft Services. Or call 1 800-388-7889.
Mobility CU Card Secure
Take Control of Your Debit Card
Mobility CU Card Secure is a debit card management and fraud protection tool for Mobility Credit Union cardholders. It gives you the ability to locate ATMs, receive real-time balance inquiries, and actively manage your debit card usage by defining when, where, and how your card is used.
Card Details
Alerts:
Alerts can be set up to inform you of specific types of transactions
You can be alerted when a card is used, when a transaction is approved and exceeds any of the permitted use policies, or when a card transaction has been attempted but is declined
Alerts are sent in real time, immediately after the transaction has taken place or has been declined
Card On/Off Setting:
When the card is "On," transactions are allowed in accordance with your usage control settings
When the card is "Off," no purchases or withdrawals are approved until the card is subsequently turned back "On". This control can be used to disable a lost or stolen card
Card Usage Controls:
Spending limits can be established to allow transactions up to a certain dollar value and decline transactions when amounts exceed predefined thresholds
Transactions can be monitored or controlled for specific merchant categories
Location-Based Controls:
The My Location control can restrict transactions to merchants located within a certain range of your location using the phone's GPS location. Transactions requested outside of the specified range can be declined
The My Region control uses city, state, country or zip code on an expandable interactive map; transactions requested by merchants outside of a specific region can be declined. (NOTE: International transactions will still need to be set by contacting Mobility Credit Union)
Overdraft Protection
Details
Overdraft protection is a service from Mobility Credit Union that transfers money from your savings or line of credit to your checking account to cover any shortfalls.*
This page explains Mobility CU's standard overdraft practices and includes opt-in conditions and an opt-in form.
What You Need To Know About Overdrafts and Overdraft Fees
An overdraft occurs when you do not have enough money in your account to cover a transaction, but Mobility CU pays it anyway. We cover your overdrafts in two different ways:
We have standard overdraft practices that come with your account
We also offer overdraft protection plans, such as a link to your savings account or line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans
What are the standard overdraft practices that come with my account?
Mobility CU does authorize and pay overdrafts for the following types of transactions:
Checks and other transactions made using your checking account number
Automatic bill payment
What are the overdraft practices that do not come with my account?
Mobility CU does not authorize and pay overdrafts for the following types of transactions unless you ask us to:
ATM transactions
Everyday debit card transactions
What fees will I be charged if Mobility CU pays my overdraft?
Under our standard overdraft practices:
We will charge you a fee of up to $35 each time we pay an overdraft
There is no limit on the total fees Mobility CU can charge you for overdrawing your account
What if I want Mobility CU to authorize and pay overdrafts* on my ATM and everyday debit card transactions?
If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, log into Home Banking, where you will find the Opt-In option under Account Services, then Overdraft Services. Or call 1 (800) 388-7889.
Contact a debit card service representative at 1 (800) 388-7889 for details.
*Qualifying criteria applies. You have the right to revoke this service at any time.