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Texas Heritage Checking

We understand your lifestyle needs convenience and flexibility, especially when it comes to managing your money. Our checking accounts were designed with you in mind, giving you great features like no minimum balance and a nationwide network of fee-free ATMs.

Experience the tradition of Texas Heritage Checking


This account brings back the legacy of classic checking. It's a good option if you tend to keep a balance over $1,500 and like extra perks like increases on CD rates. Plus, as a bonus for members over age 55, we'll waive the monthly service charge regardless of account balances.

  • Enjoy convenience with more than 55,000 surcharge-free ATMs nationwide.
  • Make purchases and get cash with your LSCU debit card.
  • Access your account anytime, anywhere through digital banking or the LSCU app.  
  • Manage payments your way with free personal checks, cashier's checks, & money orders.
  • Indulge in added benefits like a CD rate increase and paid dividends¹

Open a Texas Heritage Checking account today with as little as a $25 deposit.

Account Features
  • FREE Instant-Issue Debit Card
  • FREE In-Network ATM Access (55,00+ Surcharge-Free Nationwide)
  • FREE Out-of-Network ATM Access
  • Digital Banking, Mobile Banking, and eStatements
  • 24/7 account access via telephone
  • Paid dividends¹ (See Current Rate)
  • FREE Box of Standard Checks Annually
  • Minimum Opening Deposit: $25
  • Monthly Service Charge: $10 OR FREE if average daily balance is greater than $1,500 or combined share and loan balance is greater than $20,000
  • FREE for Members Over Age 55
Optional Services
  • .25% increase on Certificate of Deposit (CD) rate
  • FREE Domestic Fax Service
  • FREE Coin Machine Use
  • FREE Money orders & cashier's checks
  • Courtesy Pay up to $500**
  • Overdraft Protection Available

**Available to qualified members, contact us for details.

¹Dividends are paid at the current rate on accounts that meet or exceed the minimum required average daily balance of $1,500.