Checking Accounts

Star of Texas Credit Union checking account features NO monthly service fee and NO minimum balance requirement!

Open your checking account with Star of Texas Credit Union today and take advantage of the following features:

  • No monthly service fees
  • No minimum balance requirement
  • No per-check fees and no monthly service charge
  • Unlimited check writing
  • FREE Home Banking and Mobile Banking
  • FREE Bill Pay*
  • FREE VISA Check Card
  • FREE Access to more than 30,000 ATMs Nationwide
  • Courtesy Pay**
  • E-StatementsNationwide Shared Branches

* Bill Pay service is free when actively utilized. Monthly inactivity fee of $3.00 is assessed if no payments are processed during the month.
**Accounts must be opened 90 days and in good standing to be eligible for Courtesy Pay. The account must remain open for 90 days to avoid a $10 early closure fee and the $25 will be forfeited. Other restrictions may apply.

Money Market Share Account

A money market share account is a great way to earn more without losing your liquidity. The dividend rate paid on the account is based on the deposit amount in the account. Dividends are compounded monthly and posted to your account at the end of the month.

Overdraft Protection

If a check is presented that exceeds the balance in your checking account, SOTCU can transfer funds from an account of your choice to cover the check.

  • Avoid returned check fees charged by the merchant.

Courtesy Pay

Though you should keep your checking account balance positive, we know that sometimes money is tight. With courtesy pay, we may honor overdrafts up to your preset limit.

  • Preset limit dependent on membership standing.
  • Covers debit card transactions, checks, ACH withdrawals, and/or bill payer debits.
  • NSF fee charge 

Order Checks Online

Order checks when you need them

Order now

Direct Deposit

With automatic payroll deposits, you can enjoy the convenience and safety of deposits made on time, each payday. With your direct deposit your paycheck, social security, retirement, or military check is sent to your account automatically. No more missed deposits, lost or stolen payments. Check with your employer to find out if direct deposit is available.

Are you a TWC employee?

If you are then if you have your direct deposit going into your Star of Texas Credit Union account you can get paid 2 days earlier. Click here to see the pay schedule.

Payroll Deduction

Payroll deduction allows you the ease of repaying your loan quickly and conveniently each payday. You can also use payroll deduction to allocate funds to other accounts and memberships.

If you are asked for a routing number on either form please write in 314-977-162. For any further questions please call the main branch at (512) 458-8253.

Wire Transfer

We make sending and receiving money quick and painless. Outgoing transfers requested before 4 PM CST, and incoming transfers received before 4 PM CST, will be processed the same day. Click Here (PDF File)

  • Outgoing domestic transfers: $15
  • Income transfer: FREE


Send To:

Catalyst Corporate FCU
Routing # 311-990-511

Further Credit:

Star of Texas Credit Union
Account # 314-977-162

Final Credit:

Member's Name & Account Number

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