All Texas Tech Credit Union branches will be closed on Monday, October 12th in observance of Columbus Day.

Texas Tech Credit Union
Group 80

CHECKING

Your spending, simplified.

Straightforward checking without the complexity. Free to open, no monthly fees, no minimum balance.

Open an Account
Credit Score Monitoring
No Monthly Fees
Get Paid Early
88,000+ Fee-Free ATMs

Why choose Spend?

Get Paid Sooner

Receive eligible direct deposits up to two days early and access your money faster.*

Members chatting in a lounge

Credit Score Monitoring

Track your credit for free and get insights to help you build better financial habits.**

A member checking their credit score on a laptop

Fee-Free ATM Access

Use your debit card to access funds fee-free at 88,000+ ATMs nationwide.

Hand using a Texas Tech debit card
Student in a Texas Tech sweatshirt using mobile banking

Your credit union is always open.

Banking that fits your life. Mobile and online banking that works on your schedule. Check balances, transfer funds, pay bills, and manage your account from wherever you are.

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  • Mobile check deposit
  • Easy transfers between accounts
  • Manage and pay bills
  • Account alerts and notifications

Smart features for smarter spending.

A checking account that does more.

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Digital Wallets

Link your debit card with Apple Pay, Google Pay, or Samsung Wallet to make spending even easier.

Card Control Online

Card Controls & Fraud Protection

Monitor and manage your card in real-time. Block transactions instantly if needed and keep your account secure.

Frequently Asked Questions

Spend is a free checking account with no monthly service fees, no minimum balance requirement, and no transaction fees.

No, direct deposit is not required. 

* Direct deposit required. Receiving direct deposit funds up to two days early is dependent on when payment details are provided by the payer. If your deposit does not arrive early, it will arrive on your scheduled payday.

** The credit score provided is intended to help you understand the factors that affect your credit score and ways you may be able to save money with Texas Tech Credit Union loan products. It is not used for loan approval purposes or for determining loan rates. Loan rates and approvals are based on information provided to Texas Tech Credit Union when you apply for a loan. The credit score found in the credit report may be different than what is shown in your Credit Scorecard.

Ready to get started?

Opening an account is simple. Become a member and open your account online in just a few minutes.

Open an Account